<SEC-DOCUMENT>0000950123-19-007452.txt : 20190809
<SEC-HEADER>0000950123-19-007452.hdr.sgml : 20190809
<ACCEPTANCE-DATETIME>20190809163318
ACCESSION NUMBER:		0000950123-19-007452
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20190630
FILED AS OF DATE:		20190809
DATE AS OF CHANGE:		20190809
EFFECTIVENESS DATE:		20190809

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:		191013395

	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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  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags>
        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>true</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
      </flags>
      <filer>
        <credentials>
          <cik>0000759944</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>06-30-2019</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>06-30-2019</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>
      </filingManager>
      <reportType>13F COMBINATION REPORT</reportType>
      <form13FFileNumber>028-05954</form13FFileNumber>
      <otherManagersInfo>
        <otherManager>
          <form13FFileNumber>028-17246</form13FFileNumber>
          <name>Citizens  Bank, National Association</name>
        </otherManager>
        <otherManager>
          <form13FFileNumber>028-19418</form13FFileNumber>
          <name>Clarfeld Financial Advisors, LLC</name>
        </otherManager>
      </otherManagersInfo>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>David H. Shore</name>
      <title>Senior Vice President</title>
      <phone>781-364-1641</phone>
      <signature>/s/ David H. Shore</signature>
      <city>Canton</city>
      <stateOrCountry>MA</stateOrCountry>
      <signatureDate>08-09-2019</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>2</otherIncludedManagersCount>
      <tableEntryTotal>1189</tableEntryTotal>
      <tableValueTotal>1365256</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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<TYPE>INFORMATION TABLE
<SEQUENCE>2
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<DESCRIPTION>INFORMATION TABLE FOR FORM 13F
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   <infoTable>
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   <infoTable>
       <nameOfIssuer>ACACIA COMMUNICATIONS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>00401C108</cusip>
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   <infoTable>
       <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
       <titleOfClass>SHS CLASS A</titleOfClass>
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       <shrsOrPrnAmt>
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       <cusip>007903107</cusip>
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       <titleOfClass>SHS</titleOfClass>
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       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>AIR PRODS &amp; CHEMS INC</nameOfIssuer>
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       <cusip>009158106</cusip>
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   <infoTable>
       <nameOfIssuer>AIR PRODS &amp; CHEMS INC</nameOfIssuer>
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           <sshPrnamt>2873</sshPrnamt>
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       <titleOfClass>COM</titleOfClass>
       <cusip>26884L109</cusip>
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       <value>173</value>
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       <titleOfClass>COM</titleOfClass>
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           <sshPrnamt>1127</sshPrnamt>
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       <titleOfClass>COM</titleOfClass>
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       <titleOfClass>COM</titleOfClass>
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       <nameOfIssuer>EXPEDIA INC DEL</nameOfIssuer>
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       <value>3</value>
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           <sshPrnamt>24</sshPrnamt>
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       <titleOfClass>COM</titleOfClass>
       <cusip>302130109</cusip>
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       <value>2</value>
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           <sshPrnamt>29</sshPrnamt>
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       <titleOfClass>CL A</titleOfClass>
       <cusip>30303M102</cusip>
       <value>185</value>
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       <titleOfClass>CL A</titleOfClass>
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       <cusip>313747206</cusip>
       <value>2</value>
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       <titleOfClass>COM</titleOfClass>
       <cusip>31428X106</cusip>
       <value>256</value>
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       <titleOfClass>COM</titleOfClass>
       <cusip>31428X106</cusip>
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       <titleOfClass>COM</titleOfClass>
       <cusip>31620M106</cusip>
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       <titleOfClass>COM</titleOfClass>
       <cusip>31660B101</cusip>
       <value>7</value>
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       <titleOfClass>COM</titleOfClass>
       <cusip>316773100</cusip>
       <value>7</value>
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       <titleOfClass>COM</titleOfClass>
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       <nameOfIssuer>FIRST REP BK SAN FRANCISCO C</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>33616C100</cusip>
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       <titleOfClass>DORSEY WRT 5 ETF</titleOfClass>
       <cusip>33738R605</cusip>
       <value>46</value>
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       <titleOfClass>COM</titleOfClass>
       <cusip>33767D105</cusip>
       <value>14</value>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>135</Sole>
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   <infoTable>
       <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>2028</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RESIDEO TECHNOLOGIES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>76118Y104</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>72</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>72</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RESTAURANT BRANDS INTL INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>76131D103</cusip>
       <value>3</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>ROCKWELL AUTOMATION INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>773903109</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>16</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROLLINS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>775711104</cusip>
       <value>45</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1249</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1249</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>776696106</cusip>
       <value>13</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>35</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>778296103</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>66</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>66</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>778296103</cusip>
       <value>142</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1433</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>402</Sole>
           <Shared>0</Shared>
           <None>1031</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RPM INTL INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>749685103</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>99</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>99</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RYANAIR HLDGS PLC</nameOfIssuer>
       <titleOfClass>SPONSORED ADR NE</titleOfClass>
       <cusip>783513203</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>134</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>134</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RYDER SYS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>783549108</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>RYDER SYS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>783549108</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>129</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>129</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>78409V104</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>38</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>38</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>78409V104</cusip>
       <value>2864</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12573</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>12573</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SABRE CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>78573M104</cusip>
       <value>11</value>
       <shrsOrPrnAmt>
           <sshPrnamt>507</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>507</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SACHEM CAP CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>78590A109</cusip>
       <value>27</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>5000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SAGE THERAPEUTICS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>78667J108</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>26</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>26</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>79466L302</cusip>
       <value>21</value>
       <shrsOrPrnAmt>
           <sshPrnamt>140</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>140</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>79466L302</cusip>
       <value>26</value>
       <shrsOrPrnAmt>
           <sshPrnamt>171</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>171</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SAP SE</nameOfIssuer>
       <titleOfClass>SPON ADR</titleOfClass>
       <cusip>803054204</cusip>
       <value>47</value>
       <shrsOrPrnAmt>
           <sshPrnamt>340</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>105</Sole>
           <Shared>0</Shared>
           <None>235</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>78410G104</cusip>
       <value>19</value>
       <shrsOrPrnAmt>
           <sshPrnamt>83</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>83</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>78410G104</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>20</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHEIN HENRY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>806407102</cusip>
       <value>594</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8494</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>8494</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>806857108</cusip>
       <value>115</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2902</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>2902</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>806857108</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>197</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>197</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHWAB CHARLES CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>808513105</cusip>
       <value>8182</value>
       <shrsOrPrnAmt>
           <sshPrnamt>203595</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>203595</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHWAB CHARLES CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>808513105</cusip>
       <value>12</value>
       <shrsOrPrnAmt>
           <sshPrnamt>296</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>296</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
       <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
       <cusip>808524706</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>188</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>188</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
       <titleOfClass>US LRG CAP ETF</titleOfClass>
       <cusip>808524201</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>108</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>108</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCOTTS MIRACLE GRO CO</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>810186106</cusip>
       <value>14</value>
       <shrsOrPrnAmt>
           <sshPrnamt>138</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>84</Sole>
           <Shared>0</Shared>
           <None>54</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81211K100</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>184</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>184</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81211K100</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>160</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>160</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI MATERIALS</titleOfClass>
       <cusip>81369Y100</cusip>
       <value>1933</value>
       <shrsOrPrnAmt>
           <sshPrnamt>33045</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>33045</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI INT-INDS</titleOfClass>
       <cusip>81369Y704</cusip>
       <value>31</value>
       <shrsOrPrnAmt>
           <sshPrnamt>400</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>400</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI INT-ENERGY</titleOfClass>
       <cusip>81369Y506</cusip>
       <value>25</value>
       <shrsOrPrnAmt>
           <sshPrnamt>400</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>400</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI HEALTHCARE</titleOfClass>
       <cusip>81369Y209</cusip>
       <value>105</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1137</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1137</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>TECHNOLOGY</titleOfClass>
       <cusip>81369Y803</cusip>
       <value>27</value>
       <shrsOrPrnAmt>
           <sshPrnamt>345</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>345</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>TECHNOLOGY</titleOfClass>
       <cusip>81369Y803</cusip>
       <value>217</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2784</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>2784</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>8835</value>
       <shrsOrPrnAmt>
           <sshPrnamt>148165</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>148165</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI INT-INDS</titleOfClass>
       <cusip>81369Y704</cusip>
       <value>17</value>
       <shrsOrPrnAmt>
           <sshPrnamt>220</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>220</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>83</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>662</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10388</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>10388</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>72</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>14</value>
       <shrsOrPrnAmt>
           <sshPrnamt>150</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>150</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>12</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>52</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1408</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1408</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENIOR HSG PPTYS TR</nameOfIssuer>
       <titleOfClass>SH BEN INT</titleOfClass>
       <cusip>81721M109</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>270</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>270</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENSATA TECHNOLOGIES HLDNG P</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G8060N102</cusip>
       <value>45</value>
       <shrsOrPrnAmt>
           <sshPrnamt>924</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>237</Sole>
           <Shared>0</Shared>
           <None>687</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81762P102</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>31</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>31</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>824348106</cusip>
       <value>953</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2079</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>2079</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SIGNATURE BK NEW YORK N Y</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>82669G104</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>53</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>53</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>828806109</cusip>
       <value>19</value>
       <shrsOrPrnAmt>
           <sshPrnamt>120</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>120</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>83088M102</cusip>
       <value>46</value>
       <shrsOrPrnAmt>
           <sshPrnamt>598</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>598</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SNAP ON INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>833034101</cusip>
       <value>15</value>
       <shrsOrPrnAmt>
           <sshPrnamt>91</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>57</Sole>
           <Shared>0</Shared>
           <None>34</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SONOCO PRODS CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>835495102</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>116</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>116</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>842587107</cusip>
       <value>907</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16412</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>16412</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>842587107</cusip>
       <value>11</value>
       <shrsOrPrnAmt>
           <sshPrnamt>192</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>192</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>844741108</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>101</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>101</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>844741108</cusip>
       <value>71</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1397</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1397</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SOUTHWESTERN ENERGY CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>845467109</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>700</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>700</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer>
       <titleOfClass>GOLD SHS</titleOfClass>
       <cusip>78463V107</cusip>
       <value>154</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1158</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1158</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer>
       <titleOfClass>GOLD SHS</titleOfClass>
       <cusip>78463V107</cusip>
       <value>90</value>
       <shrsOrPrnAmt>
           <sshPrnamt>679</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>679</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
       <titleOfClass>S&amp;P WRLD EX US</titleOfClass>
       <cusip>78463X889</cusip>
       <value>202</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6813</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>6813</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
       <titleOfClass>S&amp;P INTL SMLCP</titleOfClass>
       <cusip>78463X871</cusip>
       <value>66</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2187</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>2187</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
       <titleOfClass>MSCI ACWI EXUS</titleOfClass>
       <cusip>78463X848</cusip>
       <value>4473</value>
       <shrsOrPrnAmt>
           <sshPrnamt>121967</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>121967</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
       <titleOfClass>ASIA PACIF ETF</titleOfClass>
       <cusip>78463X301</cusip>
       <value>29</value>
       <shrsOrPrnAmt>
           <sshPrnamt>300</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>300</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
       <titleOfClass>TR UNIT</titleOfClass>
       <cusip>78462F103</cusip>
       <value>38247</value>
       <shrsOrPrnAmt>
           <sshPrnamt>130535</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>130535</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
       <titleOfClass>TR UNIT</titleOfClass>
       <cusip>78462F103</cusip>
       <value>7402</value>
       <shrsOrPrnAmt>
           <sshPrnamt>25264</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>25264</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
       <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
       <cusip>78467Y107</cusip>
       <value>589</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1660</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1660</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
       <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
       <cusip>78467Y107</cusip>
       <value>32209</value>
       <shrsOrPrnAmt>
           <sshPrnamt>90834</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>90834</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
       <titleOfClass>SP500 HIGH DIV</titleOfClass>
       <cusip>78468R788</cusip>
       <value>25</value>
       <shrsOrPrnAmt>
           <sshPrnamt>657</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>657</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>SPDR BLOOMBERG</titleOfClass>
       <cusip>78468R663</cusip>
       <value>42</value>
       <shrsOrPrnAmt>
           <sshPrnamt>459</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>459</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>DJ REIT ETF</titleOfClass>
       <cusip>78464A607</cusip>
       <value>772</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7812</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>7812</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>BLOOMBERG BRCLYS</titleOfClass>
       <cusip>78468R622</cusip>
       <value>155</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1419</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1419</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>DJ REIT ETF</titleOfClass>
       <cusip>78464A607</cusip>
       <value>79</value>
       <shrsOrPrnAmt>
           <sshPrnamt>804</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>804</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>NUV HGHYLD MUN</titleOfClass>
       <cusip>78464A284</cusip>
       <value>249</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4260</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>4260</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
       <cusip>78464A763</cusip>
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           <sshPrnamt>350</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</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>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>66</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>66</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TARGET CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>87612E106</cusip>
       <value>12</value>
       <shrsOrPrnAmt>
           <sshPrnamt>135</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>135</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TARGET CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>87612E106</cusip>
       <value>6570</value>
       <shrsOrPrnAmt>
           <sshPrnamt>75854</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>75854</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
       <titleOfClass>REG SHS</titleOfClass>
       <cusip>H84989104</cusip>
       <value>118</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1237</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1237</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G87110105</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>190</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>190</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TELEFLEX INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>879369106</cusip>
       <value>329</value>
       <shrsOrPrnAmt>
           <sshPrnamt>992</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>992</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TERADATA CORP DEL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>88076W103</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>115</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>115</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TESLA MTRS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>88160R101</cusip>
       <value>14</value>
       <shrsOrPrnAmt>
           <sshPrnamt>64</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>64</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TESLA MTRS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>88160R101</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>28</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>28</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TEVA PHARMACEUTICAL INDS LTD</nameOfIssuer>
       <titleOfClass>ADR</titleOfClass>
       <cusip>881624209</cusip>
       <value>8</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>TEXAS INSTRS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>882508104</cusip>
       <value>17</value>
       <shrsOrPrnAmt>
           <sshPrnamt>151</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>151</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>882508104</cusip>
       <value>12859</value>
       <shrsOrPrnAmt>
           <sshPrnamt>112048</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>111713</Sole>
           <Shared>0</Shared>
           <None>335</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>THERAPEUTICSMD INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>88338N107</cusip>
       <value>3</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>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>883556102</cusip>
       <value>28</value>
       <shrsOrPrnAmt>
           <sshPrnamt>95</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>95</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>883556102</cusip>
       <value>16843</value>
       <shrsOrPrnAmt>
           <sshPrnamt>57351</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>57018</Sole>
           <Shared>0</Shared>
           <None>333</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>883556102</cusip>
       <value>117</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>TIFFANY &amp; CO NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>886547108</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>20</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TIMKEN CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>887389104</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>151</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>151</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>872540109</cusip>
       <value>106</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>2000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>872540109</cusip>
       <value>18</value>
       <shrsOrPrnAmt>
           <sshPrnamt>340</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>340</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>872540109</cusip>
       <value>1596</value>
       <shrsOrPrnAmt>
           <sshPrnamt>30179</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>30179</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOLL BROTHERS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>889478103</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>117</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>117</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOMPKINS FINANCIAL CORPORATI</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>890110109</cusip>
       <value>73</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>TORCHMARK CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>891027104</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>55</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>55</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TORCHMARK CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>891027104</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>58</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>58</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL S A</nameOfIssuer>
       <titleOfClass>SPONSORED ADR</titleOfClass>
       <cusip>89151E109</cusip>
       <value>53</value>
       <shrsOrPrnAmt>
           <sshPrnamt>947</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>473</Sole>
           <Shared>0</Shared>
           <None>474</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL SYS SVCS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>891906109</cusip>
       <value>456</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3554</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>3554</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL SYS SVCS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>891906109</cusip>
       <value>18</value>
       <shrsOrPrnAmt>
           <sshPrnamt>143</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>143</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOYOTA MOTOR CORP</nameOfIssuer>
       <titleOfClass>SP ADR REP2COM</titleOfClass>
       <cusip>892331307</cusip>
       <value>59</value>
       <shrsOrPrnAmt>
           <sshPrnamt>477</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>289</Sole>
           <Shared>0</Shared>
           <None>188</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>892356106</cusip>
       <value>283</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2603</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>2603</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRANSOCEAN LTD</nameOfIssuer>
       <titleOfClass>REG SHS</titleOfClass>
       <cusip>H8817H100</cusip>
       <value>0</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>13</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>89417E109</cusip>
       <value>195</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1302</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1302</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>89417E109</cusip>
       <value>70</value>
       <shrsOrPrnAmt>
           <sshPrnamt>467</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>467</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TREEHOUSE FOODS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>89469A104</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>128</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>128</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRIUMPH GROUP INC NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>896818101</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>386</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>386</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRUSTMARK CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>898402102</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>125</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>125</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TUPPERWARE BRANDS CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>899896104</cusip>
       <value>11</value>
       <shrsOrPrnAmt>
           <sshPrnamt>600</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>600</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TWILIO INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>90138F102</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>18</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>18</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TWITTER INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>90184L102</cusip>
       <value>3</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>TYSON FOODS INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>902494103</cusip>
       <value>56</value>
       <shrsOrPrnAmt>
           <sshPrnamt>699</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>627</Sole>
           <Shared>0</Shared>
           <None>72</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>U S CONCRETE INC</nameOfIssuer>
       <titleOfClass>COM NEW</titleOfClass>
       <cusip>90333L201</cusip>
       <value>15</value>
       <shrsOrPrnAmt>
           <sshPrnamt>300</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>300</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>90353T100</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>36</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>36</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>H42097107</cusip>
       <value>28</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2367</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>851</Sole>
           <Shared>0</Shared>
           <None>1516</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ULTA SALON COSMETCS &amp; FRAG I</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>90384S303</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>15</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNDER ARMOUR INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>904311107</cusip>
       <value>1</value>
       <shrsOrPrnAmt>
           <sshPrnamt>23</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>23</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNDER ARMOUR INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>904311107</cusip>
       <value>10</value>
       <shrsOrPrnAmt>
           <sshPrnamt>400</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>400</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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       <nameOfIssuer>UNILEVER N V</nameOfIssuer>
       <titleOfClass>N Y SHS NEW</titleOfClass>
       <cusip>904784709</cusip>
       <value>26</value>
       <shrsOrPrnAmt>
           <sshPrnamt>429</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>429</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNILEVER N V</nameOfIssuer>
       <titleOfClass>N Y SHS NEW</titleOfClass>
       <cusip>904784709</cusip>
       <value>57</value>
       <shrsOrPrnAmt>
           <sshPrnamt>943</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>514</Sole>
           <Shared>0</Shared>
           <None>429</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>907818108</cusip>
       <value>85</value>
       <shrsOrPrnAmt>
           <sshPrnamt>500</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>500</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>907818108</cusip>
       <value>85</value>
       <shrsOrPrnAmt>
           <sshPrnamt>505</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>505</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>907818108</cusip>
       <value>12091</value>
       <shrsOrPrnAmt>
           <sshPrnamt>71495</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>71495</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>911363109</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>31</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>31</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>911363109</cusip>
       <value>12</value>
       <shrsOrPrnAmt>
           <sshPrnamt>88</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>88</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UNITED STATES STL CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>912909108</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>262</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>262</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>913017109</cusip>
       <value>22</value>
       <shrsOrPrnAmt>
           <sshPrnamt>170</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>170</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>913017109</cusip>
       <value>1992</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15302</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>15302</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>95</value>
       <shrsOrPrnAmt>
           <sshPrnamt>388</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>388</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91324P102</cusip>
       <value>17754</value>
       <shrsOrPrnAmt>
           <sshPrnamt>72759</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>72759</Sole>
           <Shared>0</Shared>
           <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>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNUM GROUP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91529Y106</cusip>
       <value>62</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1850</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>1850</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
       <titleOfClass>COM NEW</titleOfClass>
       <cusip>902973304</cusip>
       <value>14</value>
       <shrsOrPrnAmt>
           <sshPrnamt>265</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>265</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
       <titleOfClass>COM NEW</titleOfClass>
       <cusip>902973304</cusip>
       <value>905</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17280</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>17280</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>V F CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>918204108</cusip>
       <value>14</value>
       <shrsOrPrnAmt>
           <sshPrnamt>160</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>160</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VALERO ENERGY CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91913Y100</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>82</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>82</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VALERO ENERGY CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91913Y100</cusip>
       <value>456</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5331</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>5331</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>919794107</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>452</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>452</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VALVOLINE INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92047W101</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>302</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>302</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANECK VECTORS ETF TR</nameOfIssuer>
       <titleOfClass>HIGH YLD MUN ETF</titleOfClass>
       <cusip>92189H409</cusip>
       <value>239</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3750</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>3750</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANECK VECTORS ETF TR</nameOfIssuer>
       <titleOfClass>VIETNAM ETF</titleOfClass>
       <cusip>92189F817</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>400</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>400</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
       <titleOfClass>SHORT TRM BOND</titleOfClass>
       <cusip>921937827</cusip>
       <value>91</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1134</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>1134</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
       <titleOfClass>TOTAL BND MRKT</titleOfClass>
       <cusip>921937835</cusip>
       <value>226</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2723</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>2723</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
       <cusip>922908363</cusip>
       <value>1823</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6739</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>6739</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>REIT ETF</titleOfClass>
       <cusip>922908553</cusip>
       <value>319</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3615</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>3615</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SMALL CP ETF</titleOfClass>
       <cusip>922908751</cusip>
       <value>94</value>
       <shrsOrPrnAmt>
           <sshPrnamt>595</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>595</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>VALUE ETF</titleOfClass>
       <cusip>922908744</cusip>
       <value>60</value>
       <shrsOrPrnAmt>
           <sshPrnamt>535</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>535</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>TOTAL STK MKT</titleOfClass>
       <cusip>922908769</cusip>
       <value>269</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1791</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
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