<SEC-DOCUMENT>0000950123-19-009960.txt : 20191101
<SEC-HEADER>0000950123-19-009960.hdr.sgml : 20191101
<ACCEPTANCE-DATETIME>20191101163032
ACCESSION NUMBER:		0000950123-19-009960
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20190930
FILED AS OF DATE:		20191101
DATE AS OF CHANGE:		20191101
EFFECTIVENESS DATE:		20191101

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:		191187140

	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>
<XML>
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    <submissionType>13F-HR</submissionType>
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      <liveTestFlag>LIVE</liveTestFlag>
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        <confirmingCopyFlag>false</confirmingCopyFlag>
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      <filer>
        <credentials>
          <cik>0000759944</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>09-30-2019</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>09-30-2019</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>
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      <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>11-01-2019</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>2</otherIncludedManagersCount>
      <tableEntryTotal>1266</tableEntryTotal>
      <tableValueTotal>1386306</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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<TYPE>INFORMATION TABLE
<SEQUENCE>2
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   <infoTable>
       <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
       <titleOfClass>SHS CLASS A</titleOfClass>
       <cusip>G1151C101</cusip>
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       <cusip>00751Y106</cusip>
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   <infoTable>
       <nameOfIssuer>AGILENT TECHNOLOGIES INC</nameOfIssuer>
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       <nameOfIssuer>AGNC INVT CORP</nameOfIssuer>
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       <nameOfIssuer>IMMUNOGEN INC</nameOfIssuer>
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       <nameOfIssuer>INCYTE CORP</nameOfIssuer>
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           <sshPrnamt>48</sshPrnamt>
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           <sshPrnamt>40</sshPrnamt>
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       <nameOfIssuer>INTEL CORP</nameOfIssuer>
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       <value>8775</value>
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           <sshPrnamt>170289</sshPrnamt>
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       <titleOfClass>COM</titleOfClass>
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       <value>119</value>
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           <sshPrnamt>2305</sshPrnamt>
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       <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>45866F104</cusip>
       <value>346</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3749</sshPrnamt>
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       <otherManager>1</otherManager>
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       <titleOfClass>COM</titleOfClass>
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       <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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           <sshPrnamt>179</sshPrnamt>
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       <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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       <titleOfClass>COM</titleOfClass>
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       <shrsOrPrnAmt>
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           <sshPrnamt>27</sshPrnamt>
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       <cusip>46137V613</cusip>
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   <infoTable>
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       <titleOfClass>DIVID ACHIEVEV</titleOfClass>
       <cusip>46137V506</cusip>
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           <None>26615</None>
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   <infoTable>
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       <titleOfClass>ETF</titleOfClass>
       <cusip>46137V142</cusip>
       <value>73</value>
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       <investmentDiscretion>OTR</investmentDiscretion>
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   <infoTable>
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       <cusip>46138E362</cusip>
       <value>51</value>
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           <None>1191</None>
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   <infoTable>
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           <sshPrnamt>430</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
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       <cusip>46138G656</cusip>
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   <infoTable>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
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       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>239</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>SAP SE</nameOfIssuer>
       <titleOfClass>SPON ADR</titleOfClass>
       <cusip>803054204</cusip>
       <value>42</value>
       <shrsOrPrnAmt>
           <sshPrnamt>354</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>105</Sole>
           <Shared>0</Shared>
           <None>249</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>78410G104</cusip>
       <value>5</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>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>78410G104</cusip>
       <value>20</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>SCHEIN HENRY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>806407102</cusip>
       <value>513</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8084</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>8084</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>806857108</cusip>
       <value>93</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2719</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>2719</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>806857108</cusip>
       <value>15</value>
       <shrsOrPrnAmt>
           <sshPrnamt>451</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>451</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHWAB CHARLES CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>808513105</cusip>
       <value>36</value>
       <shrsOrPrnAmt>
           <sshPrnamt>858</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>858</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHWAB CHARLES CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>808513105</cusip>
       <value>8308</value>
       <shrsOrPrnAmt>
           <sshPrnamt>198620</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>198620</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
       <titleOfClass>US LRG CAP ETF</titleOfClass>
       <cusip>808524201</cusip>
       <value>11</value>
       <shrsOrPrnAmt>
           <sshPrnamt>149</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>149</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
       <titleOfClass>US BRD MKT ETF</titleOfClass>
       <cusip>808524102</cusip>
       <value>94</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1318</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1318</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
       <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
       <cusip>808524706</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>189</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>189</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCOTTS MIRACLE GRO CO</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>810186106</cusip>
       <value>13</value>
       <shrsOrPrnAmt>
           <sshPrnamt>128</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>84</Sole>
           <Shared>0</Shared>
           <None>44</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEAGATE TECHNOLOGY PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G7945M107</cusip>
       <value>26</value>
       <shrsOrPrnAmt>
           <sshPrnamt>492</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>492</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>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>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>TECHNOLOGY</titleOfClass>
       <cusip>81369Y803</cusip>
       <value>224</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 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>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 INT-ENERGY</titleOfClass>
       <cusip>81369Y506</cusip>
       <value>67</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 INT-FINL</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>85</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-UTILS</titleOfClass>
       <cusip>81369Y886</cusip>
       <value>9394</value>
       <shrsOrPrnAmt>
           <sshPrnamt>145109</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>145109</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI MATERIALS</titleOfClass>
       <cusip>81369Y100</cusip>
       <value>1711</value>
       <shrsOrPrnAmt>
           <sshPrnamt>29391</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>29391</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>55</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>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI HEALTHCARE</titleOfClass>
       <cusip>81369Y209</cusip>
       <value>161</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1787</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1787</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI INT-ENERGY</titleOfClass>
       <cusip>81369Y506</cusip>
       <value>474</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8008</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>8008</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>34</value>
       <shrsOrPrnAmt>
           <sshPrnamt>520</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>520</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>TECHNOLOGY</titleOfClass>
       <cusip>81369Y803</cusip>
       <value>28</value>
       <shrsOrPrnAmt>
           <sshPrnamt>346</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>346</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI INT-FINL</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>619</value>
       <shrsOrPrnAmt>
           <sshPrnamt>22108</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>22108</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>816851109</cusip>
       <value>11</value>
       <shrsOrPrnAmt>
           <sshPrnamt>72</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>72</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>42</value>
       <shrsOrPrnAmt>
           <sshPrnamt>837</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>237</Sole>
           <Shared>0</Shared>
           <None>600</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SERVICE PPTYS TR</nameOfIssuer>
       <titleOfClass>COM SH BEN INT</titleOfClass>
       <cusip>81761L102</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>227</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>227</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81762P102</cusip>
       <value>8</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>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>5</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>824348106</cusip>
       <value>1111</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2021</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>2021</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>
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       <nameOfIssuer>SIX FLAGS ENTMT CORP NEW</nameOfIssuer>
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       <titleOfClass>COM</titleOfClass>
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       <value>86</value>
       <shrsOrPrnAmt>
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       <titleOfClass>COM</titleOfClass>
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           <sshPrnamt>91</sshPrnamt>
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           <None>34</None>
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       <nameOfIssuer>SONOCO PRODS CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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           <sshPrnamt>16635</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>16635</Sole>
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           <None>0</None>
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       <titleOfClass>COM</titleOfClass>
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       <value>20</value>
       <shrsOrPrnAmt>
           <sshPrnamt>317</sshPrnamt>
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       <otherManager>2</otherManager>
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           <Sole>0</Sole>
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           <None>317</None>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>66</None>
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       <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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       <shrsOrPrnAmt>
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           <None>6813</None>
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   <infoTable>
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   <infoTable>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>2772</None>
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       <titleOfClass>DJ REIT ETF</titleOfClass>
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       <value>84</value>
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           <None>804</None>
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   <infoTable>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>3891</None>
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       <titleOfClass>NUV HGHYLD MUN</titleOfClass>
       <cusip>78464A284</cusip>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Shared>0</Shared>
           <None>4260</None>
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   <infoTable>
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       <titleOfClass>COM</titleOfClass>
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           <sshPrnamtType>SH</sshPrnamtType>
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           <None>0</None>
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   <infoTable>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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   <infoTable>
       <nameOfIssuer>SQUARE INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
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           <None>0</None>
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   <infoTable>
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       <value>30</value>
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           <sshPrnamt>1203</sshPrnamt>
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           <None>1203</None>
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   <infoTable>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <None>3455</None>
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   <infoTable>
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       <titleOfClass>MULT ASS RLRTN</titleOfClass>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Shared>0</Shared>
           <None>61479</None>
       </votingAuthority>
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   <infoTable>
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           <Shared>0</Shared>
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       <titleOfClass>COM</titleOfClass>
       <cusip>882508104</cusip>
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       <shrsOrPrnAmt>
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       <cusip>883556102</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>276</sshPrnamt>
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       <nameOfIssuer>THOMSON REUTERS CORP</nameOfIssuer>
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       <value>26</value>
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           <Sole>0</Sole>
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           <None>459</None>
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       <nameOfIssuer>TOLL BROTHERS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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       <nameOfIssuer>TOTAL S A</nameOfIssuer>
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       <cusip>89151E109</cusip>
       <value>43</value>
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       <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
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       <value>2</value>
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       <titleOfClass>COM</titleOfClass>
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       <cusip>904784709</cusip>
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           <sshPrnamt>1114</sshPrnamt>
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       <nameOfIssuer>UNILEVER N V</nameOfIssuer>
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       <titleOfClass>SPON ADR NEW</titleOfClass>
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   <infoTable>
       <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
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       <titleOfClass>COM</titleOfClass>
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       <investmentDiscretion>OTR</investmentDiscretion>
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           <None>0</None>
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       <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>907818108</cusip>
       <value>99</value>
       <shrsOrPrnAmt>
           <sshPrnamt>613</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>613</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>911363109</cusip>
       <value>16</value>
       <shrsOrPrnAmt>
           <sshPrnamt>129</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>129</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>911363109</cusip>
       <value>10</value>
       <shrsOrPrnAmt>
           <sshPrnamt>79</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>79</None>
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   <infoTable>
       <nameOfIssuer>UNITED STS COMMODITY INDEX F</nameOfIssuer>
       <titleOfClass>COMM IDX FND</titleOfClass>
       <cusip>911717106</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>117</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>117</None>
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   <infoTable>
       <nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>913017109</cusip>
       <value>2045</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14981</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>14981</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>913017109</cusip>
       <value>56</value>
       <shrsOrPrnAmt>
           <sshPrnamt>413</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>413</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91324P102</cusip>
       <value>15552</value>
       <shrsOrPrnAmt>
           <sshPrnamt>71564</sshPrnamt>
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       <otherManager>1</otherManager>
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           <Sole>71564</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91324P102</cusip>
       <value>132</value>
       <shrsOrPrnAmt>
           <sshPrnamt>609</sshPrnamt>
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       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>609</None>
       </votingAuthority>
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       <nameOfIssuer>UNITI GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91325V108</cusip>
       <value>0</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6</sshPrnamt>
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       <otherManager>1</otherManager>
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           <Sole>6</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNUM GROUP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91529Y106</cusip>
       <value>12</value>
       <shrsOrPrnAmt>
           <sshPrnamt>406</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>406</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNUM GROUP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91529Y106</cusip>
       <value>33</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1100</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1100</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
       <titleOfClass>COM NEW</titleOfClass>
       <cusip>902973304</cusip>
       <value>968</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17499</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>17499</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
       <titleOfClass>COM NEW</titleOfClass>
       <cusip>902973304</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>143</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>143</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>V F CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>918204108</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>100</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>100</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>V F CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>918204108</cusip>
       <value>14</value>
       <shrsOrPrnAmt>
           <sshPrnamt>160</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>160</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VALERO ENERGY CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91913Y100</cusip>
       <value>23</value>
       <shrsOrPrnAmt>
           <sshPrnamt>267</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>267</None>
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   <infoTable>
       <nameOfIssuer>VALERO ENERGY CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91913Y100</cusip>
       <value>405</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4756</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>4756</Sole>
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           <None>0</None>
       </votingAuthority>
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   <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>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>302</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>0</Sole>
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           <None>302</None>
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   <infoTable>
       <nameOfIssuer>VANECK VECTORS ETF TR</nameOfIssuer>
       <titleOfClass>HIGH YLD MUN ETF</titleOfClass>
       <cusip>92189H409</cusip>
       <value>242</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>
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   <infoTable>
       <nameOfIssuer>VANECK VECTORS ETF TR</nameOfIssuer>
       <titleOfClass>VIETNAM ETF</titleOfClass>
       <cusip>92189F817</cusip>
       <value>7</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>
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           <None>400</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
       <titleOfClass>TOTAL BND MRKT</titleOfClass>
       <cusip>921937835</cusip>
       <value>608</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7197</sshPrnamt>
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           <Sole>0</Sole>
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           <None>7197</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SMALL CP ETF</titleOfClass>
       <cusip>922908751</cusip>
       <value>531</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3449</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <Sole>0</Sole>
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           <None>3449</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>MID CAP ETF</titleOfClass>
       <cusip>922908629</cusip>
       <value>48</value>
       <shrsOrPrnAmt>
           <sshPrnamt>287</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>287</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
       <cusip>922908363</cusip>
       <value>36111</value>
       <shrsOrPrnAmt>
           <sshPrnamt>132467</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>0</Sole>
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           <None>132467</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>VALUE ETF</titleOfClass>
       <cusip>922908744</cusip>
       <value>110</value>
       <shrsOrPrnAmt>
           <sshPrnamt>982</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <Sole>0</Sole>
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           <None>982</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>TOTAL STK MKT</titleOfClass>
       <cusip>922908769</cusip>
       <value>270</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1791</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>0</Sole>
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           <None>1791</None>
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       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>MID CAP ETF</titleOfClass>
       <cusip>922908629</cusip>
       <value>74</value>
       <shrsOrPrnAmt>
           <sshPrnamt>442</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <Sole>0</Sole>
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           <None>442</None>
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       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>REIT ETF</titleOfClass>
       <cusip>922908553</cusip>
       <value>606</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6496</sshPrnamt>
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           <Sole>0</Sole>
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           <None>6496</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>LARGE CAP ETF</titleOfClass>
       <cusip>922908637</cusip>
       <value>47</value>
       <shrsOrPrnAmt>
           <sshPrnamt>347</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>347</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SMALL CP ETF</titleOfClass>
       <cusip>922908751</cusip>
       <value>94</value>
       <shrsOrPrnAmt>
           <sshPrnamt>613</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>613</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
       <cusip>922908363</cusip>
       <value>4875</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17883</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>17883</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
       <titleOfClass>ALLWRLD EX US</titleOfClass>
       <cusip>922042775</cusip>
       <value>4799</value>
       <shrsOrPrnAmt>
           <sshPrnamt>96179</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>96179</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
       <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
       <cusip>922042858</cusip>
       <value>1248</value>
       <shrsOrPrnAmt>
           <sshPrnamt>30995</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>30995</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
       <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
       <cusip>922042858</cusip>
       <value>785</value>
       <shrsOrPrnAmt>
           <sshPrnamt>19489</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>19489</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
       <titleOfClass>ALLWRLD EX US</titleOfClass>
       <cusip>922042775</cusip>
       <value>1306</value>
       <shrsOrPrnAmt>
           <sshPrnamt>26168</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>26168</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD MUN BD FD INC</nameOfIssuer>
       <titleOfClass>TAX-EXEMPT BD</titleOfClass>
       <cusip>922907746</cusip>
       <value>177</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3307</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>3307</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>VNG RUS2000IDX</titleOfClass>
       <cusip>92206C664</cusip>
       <value>858</value>
       <shrsOrPrnAmt>
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