<SEC-DOCUMENT>0000950123-20-004208.txt : 20200508
<SEC-HEADER>0000950123-20-004208.hdr.sgml : 20200508
<ACCEPTANCE-DATETIME>20200508172345
ACCESSION NUMBER:		0000950123-20-004208
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20200331
FILED AS OF DATE:		20200508
DATE AS OF CHANGE:		20200508
EFFECTIVENESS DATE:		20200508

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:		20861834

	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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    <submissionType>13F-HR</submissionType>
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      <liveTestFlag>LIVE</liveTestFlag>
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        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>true</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
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      <filer>
        <credentials>
          <cik>0000759944</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>03-31-2020</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>03-31-2020</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>05-08-2020</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>2</otherIncludedManagersCount>
      <tableEntryTotal>1444</tableEntryTotal>
      <tableValueTotal>1223242</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
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<DESCRIPTION>INFORMATION TABLE FOR FORM 13F
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       <titleOfClass>CL A</titleOfClass>
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       <value>21</value>
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   <infoTable>
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       <titleOfClass>COM</titleOfClass>
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   <infoTable>
       <nameOfIssuer>ABERDEEN STD SILVER ETF TR</nameOfIssuer>
       <titleOfClass>PHYSCL SILVR SHS</titleOfClass>
       <cusip>003264108</cusip>
       <value>11</value>
       <shrsOrPrnAmt>
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   <infoTable>
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       <titleOfClass>COM</titleOfClass>
       <cusip>003654100</cusip>
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           <sshPrnamt>26</sshPrnamt>
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       <titleOfClass>COM</titleOfClass>
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       <cusip>00434H108</cusip>
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       </votingAuthority>
   </infoTable>
   <infoTable>
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   <infoTable>
       <nameOfIssuer>AGCO CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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           <sshPrnamt>152</sshPrnamt>
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   <infoTable>
       <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
       <titleOfClass>US SML CAP ETF</titleOfClass>
       <cusip>808524607</cusip>
       <value>393</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7630</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>7630</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
       <titleOfClass>US LCAP GR ETF</titleOfClass>
       <cusip>808524300</cusip>
       <value>24</value>
       <shrsOrPrnAmt>
           <sshPrnamt>299</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>299</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
       <titleOfClass>US MID-CAP ETF</titleOfClass>
       <cusip>808524508</cusip>
       <value>368</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8729</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>8729</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCOTTS MIRACLE GRO CO</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>810186106</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>84</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>84</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCRIPPS E W CO OHIO</nameOfIssuer>
       <titleOfClass>CL A NEW</titleOfClass>
       <cusip>811054402</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>664</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>664</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEAGATE TECHNOLOGY PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G7945M107</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>89</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>89</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEAGATE TECHNOLOGY PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G7945M107</cusip>
       <value>24</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>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>202</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>202</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81211K100</cusip>
       <value>5</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>SEATTLE GENETICS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>812578102</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>63</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>63</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEAWORLD ENTMT INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81282V100</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>358</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>358</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT ENERGY SVCS INC</nameOfIssuer>
       <titleOfClass>CL A COM</titleOfClass>
       <cusip>81617J301</cusip>
       <value>21</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6460</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>6460</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT MED HLDGS CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81619Q105</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>433</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>433</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI HEALTHCARE</titleOfClass>
       <cusip>81369Y209</cusip>
       <value>168</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1897</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1897</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI INT-FINL</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>466</value>
       <shrsOrPrnAmt>
           <sshPrnamt>22390</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>22390</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI INT-UTILS</titleOfClass>
       <cusip>81369Y886</cusip>
       <value>11</value>
       <shrsOrPrnAmt>
           <sshPrnamt>200</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>200</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI INT-FINL</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>56</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2703</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>2703</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 INT-ENERGY</titleOfClass>
       <cusip>81369Y506</cusip>
       <value>110</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3794</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>3794</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI INT-UTILS</titleOfClass>
       <cusip>81369Y886</cusip>
       <value>2983</value>
       <shrsOrPrnAmt>
           <sshPrnamt>53833</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>53833</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>215</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7393</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>7393</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI HEALTHCARE</titleOfClass>
       <cusip>81369Y209</cusip>
       <value>13</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 MATERIALS</titleOfClass>
       <cusip>81369Y100</cusip>
       <value>1231</value>
       <shrsOrPrnAmt>
           <sshPrnamt>27331</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>27331</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>10</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>41</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1321</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1321</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>816851109</cusip>
       <value>120</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1055</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1055</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>816851109</cusip>
       <value>8</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>SEMTECH CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>816850101</cusip>
       <value>31</value>
       <shrsOrPrnAmt>
           <sshPrnamt>816</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>816</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENSATA TECHNOLOGIES HLDNG P</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G8060N102</cusip>
       <value>10</value>
       <shrsOrPrnAmt>
           <sshPrnamt>340</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>340</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SERVICEMASTER GLOBAL HLDGS I</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81761R109</cusip>
       <value>11</value>
       <shrsOrPrnAmt>
           <sshPrnamt>395</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>395</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>SERVICENOW INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81762P102</cusip>
       <value>13</value>
       <shrsOrPrnAmt>
           <sshPrnamt>47</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>47</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SHAKE SHACK INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>819047101</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>250</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>250</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SHELL MIDSTREAM PARTNERS L P</nameOfIssuer>
       <titleOfClass>UNIT LTD INT</titleOfClass>
       <cusip>822634101</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>884</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>884</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>824348106</cusip>
       <value>635</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1381</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1381</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>824348106</cusip>
       <value>142</value>
       <shrsOrPrnAmt>
           <sshPrnamt>308</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>308</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SINCLAIR BROADCAST GROUP INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>829226109</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>104</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>104</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SIRIUS XM HLDGS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>82968B103</cusip>
       <value>128</value>
       <shrsOrPrnAmt>
           <sshPrnamt>25982</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>25982</None>
       </votingAuthority>
   </infoTable>
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       <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>82982L103</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>42</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>42</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>SIX FLAGS ENTMT CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>83001A102</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>134</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>134</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>SJW CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>784305104</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>50</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>50</None>
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   <infoTable>
       <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>83088M102</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>69</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>69</None>
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   <infoTable>
       <nameOfIssuer>SLM CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>78442P106</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>406</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>406</None>
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       <nameOfIssuer>SMITH &amp; NEPHEW PLC</nameOfIssuer>
       <titleOfClass>SPDN ADR NEW</titleOfClass>
       <cusip>83175M205</cusip>
       <value>1</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>15</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>SMITH A O</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>831865209</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>44</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>44</None>
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       <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
       <titleOfClass>COM NEW</titleOfClass>
       <cusip>832696405</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>19</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>19</None>
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   <infoTable>
       <nameOfIssuer>SNAP INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>83304A106</cusip>
       <value>70</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5900</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>5900</None>
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       <nameOfIssuer>SNAP ON INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>833034101</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>57</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>57</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>SONOCO PRODS CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>835495102</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>116</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>116</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>SONOS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>83570H108</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1000</None>
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       <nameOfIssuer>SOUTH JERSEY INDS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>838518108</cusip>
       <value>33</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1306</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1306</None>
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   <infoTable>
       <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>842587107</cusip>
       <value>760</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14035</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>14035</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>842587107</cusip>
       <value>36</value>
       <shrsOrPrnAmt>
           <sshPrnamt>672</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>672</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>844741108</cusip>
       <value>25</value>
       <shrsOrPrnAmt>
           <sshPrnamt>697</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>697</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>844741108</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>248</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>248</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>SOUTHWEST GAS CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>844895102</cusip>
       <value>19</value>
       <shrsOrPrnAmt>
           <sshPrnamt>278</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>278</None>
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   <infoTable>
       <nameOfIssuer>SP PLUS CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>78469C103</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>107</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>107</None>
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   <infoTable>
       <nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer>
       <titleOfClass>GOLD SHS</titleOfClass>
       <cusip>78463V107</cusip>
       <value>142</value>
       <shrsOrPrnAmt>
           <sshPrnamt>958</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>958</None>
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   <infoTable>
       <nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer>
       <titleOfClass>GOLD SHS</titleOfClass>
       <cusip>78463V107</cusip>
       <value>85</value>
       <shrsOrPrnAmt>
           <sshPrnamt>575</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>575</None>
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   <infoTable>
       <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
       <titleOfClass>S&amp;P INTL SMLCP</titleOfClass>
       <cusip>78463X871</cusip>
       <value>10</value>
       <shrsOrPrnAmt>
           <sshPrnamt>451</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>451</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
       <titleOfClass>DJ INTL RL ETF</titleOfClass>
       <cusip>78463X863</cusip>
       <value>14</value>
       <shrsOrPrnAmt>
           <sshPrnamt>510</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>510</None>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
       <titleOfClass>S&amp;P WRLD EX US</titleOfClass>
       <cusip>78463X889</cusip>
       <value>163</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6813</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>6813</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
       <titleOfClass>MSCI ACWI EXUS</titleOfClass>
       <cusip>78463X848</cusip>
       <value>1673</value>
       <shrsOrPrnAmt>
           <sshPrnamt>84857</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>84857</None>
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   <infoTable>
       <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
       <titleOfClass>ASIA PACIF ETF</titleOfClass>
       <cusip>78463X301</cusip>
       <value>25</value>
       <shrsOrPrnAmt>
           <sshPrnamt>300</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>300</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
       <titleOfClass>TR UNIT</titleOfClass>
       <cusip>78462F103</cusip>
       <value>2049</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7949</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>7949</None>
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   <infoTable>
       <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
       <titleOfClass>TR UNIT</titleOfClass>
       <cusip>78462F103</cusip>
       <value>32867</value>
       <shrsOrPrnAmt>
           <sshPrnamt>127515</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>127515</None>
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   <infoTable>
       <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
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       <cusip>78467Y107</cusip>
       <value>206</value>
       <shrsOrPrnAmt>
           <sshPrnamt>785</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>785</None>
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   <infoTable>
       <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
       <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
       <cusip>78467Y107</cusip>
       <value>21013</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Shared>0</Shared>
           <None>79933</None>
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   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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       <cusip>78468R788</cusip>
       <value>49</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <Shared>0</Shared>
           <None>2000</None>
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   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
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       <cusip>78464A508</cusip>
       <value>85</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3293</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>3293</None>
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   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>NUV HGHYLD MUN</titleOfClass>
       <cusip>78464A284</cusip>
       <value>233</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4260</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>4260</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>BLOOMBERG BRCLYS</titleOfClass>
       <cusip>78468R622</cusip>
       <value>114</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1203</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>1203</None>
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   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>S&amp;P BK ETF</titleOfClass>
       <cusip>78464A797</cusip>
       <value>125</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4652</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>4652</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>RUSSELL 1000 ETF</titleOfClass>
       <cusip>78464A854</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>100</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>100</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
       <cusip>78464A763</cusip>
       <value>190</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2378</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>2378</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>DJ REIT ETF</titleOfClass>
       <cusip>78464A607</cusip>
       <value>153</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2120</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <nameOfIssuer>TORO CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>891092108</cusip>
       <value>24</value>
       <shrsOrPrnAmt>
           <sshPrnamt>370</sshPrnamt>
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           <None>370</None>
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   <infoTable>
       <nameOfIssuer>TORONTO DOMINION BK ONT</nameOfIssuer>
       <titleOfClass>COM NEW</titleOfClass>
       <cusip>891160509</cusip>
       <value>31</value>
       <shrsOrPrnAmt>
           <sshPrnamt>730</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <None>730</None>
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   <infoTable>
       <nameOfIssuer>TORTOISE ESSENTIAL ASSETS IN</nameOfIssuer>
       <titleOfClass>COM SH BEN INT</titleOfClass>
       <cusip>89148A103</cusip>
       <value>0</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>0</Sole>
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           <None>7</None>
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   <infoTable>
       <nameOfIssuer>TOTAL S A</nameOfIssuer>
       <titleOfClass>SPONSORED ADR</titleOfClass>
       <cusip>89151E109</cusip>
       <value>14</value>
       <shrsOrPrnAmt>
           <sshPrnamt>363</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <None>363</None>
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   <infoTable>
       <nameOfIssuer>TOYOTA MOTOR CORP</nameOfIssuer>
       <titleOfClass>SP ADR REP2COM</titleOfClass>
       <cusip>892331307</cusip>
       <value>62</value>
       <shrsOrPrnAmt>
           <sshPrnamt>521</sshPrnamt>
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       <otherManager>1</otherManager>
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           <Sole>289</Sole>
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           <None>232</None>
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   <infoTable>
       <nameOfIssuer>TPI COMPOSITES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>87266J104</cusip>
       <value>30</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2000</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>2000</None>
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   <infoTable>
       <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>892356106</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>25</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
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           <None>25</None>
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       <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>892356106</cusip>
       <value>179</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2113</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>2113</Sole>
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           <None>0</None>
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       <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G8994E103</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>75</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>75</Sole>
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           <None>0</None>
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       <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G8994E103</cusip>
       <value>28</value>
       <shrsOrPrnAmt>
           <sshPrnamt>334</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>334</None>
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   <infoTable>
       <nameOfIssuer>TRANSDIGM GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>893641100</cusip>
       <value>1</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>3</None>
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       <nameOfIssuer>TRANSENTERIX INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>89366M300</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4645</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <None>4645</None>
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       <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>89417E109</cusip>
       <value>123</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1239</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>1239</Sole>
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           <None>0</None>
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       <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>89417E109</cusip>
       <value>691</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6952</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>6952</None>
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   <infoTable>
       <nameOfIssuer>TREX CO INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>89531P105</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>42</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>42</None>
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   <infoTable>
       <nameOfIssuer>TRINET GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>896288107</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>72</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>72</None>
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   <infoTable>
       <nameOfIssuer>TRUEBLUE INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>89785X101</cusip>
       <value>11</value>
       <shrsOrPrnAmt>
           <sshPrnamt>871</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>871</None>
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   <infoTable>
       <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>89832Q109</cusip>
       <value>105</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3401</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>3401</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>89832Q109</cusip>
       <value>109</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3536</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>3536</None>
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   <infoTable>
       <nameOfIssuer>TSAKOS ENERGY NAVIGATION LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G9108L108</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1000</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <Sole>0</Sole>
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           <None>1000</None>
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   <infoTable>
       <nameOfIssuer>TUTOR PERINI CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>901109108</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1035</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <Sole>0</Sole>
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           <None>1035</None>
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   <infoTable>
       <nameOfIssuer>TWILIO INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>90138F102</cusip>
       <value>105</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1175</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>1175</None>
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   <infoTable>
       <nameOfIssuer>TWITTER INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>90184L102</cusip>
       <value>20</value>
       <shrsOrPrnAmt>
           <sshPrnamt>828</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>828</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>TWITTER INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>90184L102</cusip>
       <value>96</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3928</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <Sole>0</Sole>
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           <None>3928</None>
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   <infoTable>
       <nameOfIssuer>TYLER TECHNOLOGIES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>902252105</cusip>
       <value>34</value>
       <shrsOrPrnAmt>
           <sshPrnamt>114</sshPrnamt>
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           <None>114</None>
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   <infoTable>
       <nameOfIssuer>TYME TECHNOLOGIES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>90238J103</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2000</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <None>2000</None>
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   <infoTable>
       <nameOfIssuer>TYSON FOODS INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>902494103</cusip>
       <value>14</value>
       <shrsOrPrnAmt>
           <sshPrnamt>237</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <None>237</None>
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       <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>90353T100</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>100</sshPrnamt>
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           <None>100</None>
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       <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>H42097107</cusip>
       <value>11</value>
       <shrsOrPrnAmt>
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           <None>1225</None>
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       <nameOfIssuer>UGI CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>902681105</cusip>
       <value>24</value>
       <shrsOrPrnAmt>
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           <None>900</None>
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       <nameOfIssuer>ULTA SALON COSMETCS &amp; FRAG I</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>90384S303</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <None>52</None>
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   <infoTable>
       <nameOfIssuer>ULTRAGENYX PHARMACEUTICAL IN</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>90400D108</cusip>
       <value>3</value>
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           <sshPrnamt>62</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <None>62</None>
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   <infoTable>
       <nameOfIssuer>UMPQUA HLDGS CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>904214103</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>319</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <None>319</None>
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   <infoTable>
       <nameOfIssuer>UNDER ARMOUR INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>904311107</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>257</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <None>257</None>
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       <nameOfIssuer>UNDER ARMOUR INC</nameOfIssuer>
       <titleOfClass>CL C</titleOfClass>
       <cusip>904311206</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>201</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <None>201</None>
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       <nameOfIssuer>UNILEVER N V</nameOfIssuer>
       <titleOfClass>N Y SHS NEW</titleOfClass>
       <cusip>904784709</cusip>
       <value>50</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1019</sshPrnamt>
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           <None>334</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
       <titleOfClass>SPON ADR NEW</titleOfClass>
       <cusip>904767704</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>79</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>79</Sole>
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   <infoTable>
       <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>907818108</cusip>
       <value>6965</value>
       <shrsOrPrnAmt>
           <sshPrnamt>49385</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>49385</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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           <None>1515</None>
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       <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>911363109</cusip>
       <value>31</value>
       <shrsOrPrnAmt>
           <sshPrnamt>306</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <otherManager>2</otherManager>
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           <None>306</None>
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       <nameOfIssuer>UNITED STATES STL CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>912909108</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>369</sshPrnamt>
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           <None>369</None>
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       <nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>913017109</cusip>
       <value>1306</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13844</sshPrnamt>
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           <None>0</None>
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       <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91324P102</cusip>
       <value>16197</value>
       <shrsOrPrnAmt>
           <sshPrnamt>64950</sshPrnamt>
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       <otherManager>1</otherManager>
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           <None>0</None>
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       <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91324P102</cusip>
       <value>918</value>
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           <None>3680</None>
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       <nameOfIssuer>UNITIL CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>913259107</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>113</sshPrnamt>
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           <None>113</None>
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       <nameOfIssuer>UNIVERSAL DISPLAY CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91347P105</cusip>
       <value>11</value>
       <shrsOrPrnAmt>
           <sshPrnamt>87</sshPrnamt>
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       <nameOfIssuer>UNIVERSAL HLTH SVCS INC</nameOfIssuer>
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       <cusip>913903100</cusip>
       <value>45</value>
       <shrsOrPrnAmt>
           <sshPrnamt>450</sshPrnamt>
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       <otherManager>2</otherManager>
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       <nameOfIssuer>UNUM GROUP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91529Y106</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>549</sshPrnamt>
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           <None>549</None>
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       <nameOfIssuer>UNUM GROUP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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       <value>17</value>
       <shrsOrPrnAmt>
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           <None>0</None>
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       <nameOfIssuer>UPLAND SOFTWARE INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91544A109</cusip>
       <value>55</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2035</sshPrnamt>
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           <None>2035</None>
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       <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
       <titleOfClass>COM NEW</titleOfClass>
       <cusip>902973304</cusip>
       <value>552</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16019</sshPrnamt>
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       <otherManager>1</otherManager>
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       <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
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       <value>55</value>
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       <nameOfIssuer>US FOODS HLDG CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>912008109</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>269</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <None>269</None>
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       <nameOfIssuer>V F CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>918204108</cusip>
       <value>23</value>
       <shrsOrPrnAmt>
           <sshPrnamt>432</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <None>432</None>
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       <nameOfIssuer>VAIL RESORTS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91879Q109</cusip>
       <value>11</value>
       <shrsOrPrnAmt>
           <sshPrnamt>73</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <Sole>0</Sole>
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           <None>73</None>
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       <nameOfIssuer>VALARIS PLC</nameOfIssuer>
       <titleOfClass>SHS CLASS A</titleOfClass>
       <cusip>G9402V109</cusip>
       <value>1</value>
       <shrsOrPrnAmt>
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       <otherManager>2</otherManager>
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           <None>1410</None>
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       <nameOfIssuer>VALERO ENERGY CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91913Y100</cusip>
       <value>176</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <None>0</None>
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       <nameOfIssuer>VALERO ENERGY CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91913Y100</cusip>
       <value>14</value>
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       <otherManager>2</otherManager>
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           <None>319</None>
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       <cusip>92047W101</cusip>
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           <None>509</None>
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   <infoTable>
       <nameOfIssuer>VANECK VECTORS ETF TR</nameOfIssuer>
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       <cusip>92189F700</cusip>
       <value>410</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <None>7991</None>
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       <nameOfIssuer>VANECK VECTORS ETF TR</nameOfIssuer>
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       <cusip>92189F437</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>253</None>
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       <nameOfIssuer>VANECK VECTORS ETF TR</nameOfIssuer>
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       <cusip>92189F635</cusip>
       <value>28</value>
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           <None>1000</None>
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       <nameOfIssuer>VANECK VECTORS ETF TR</nameOfIssuer>
       <titleOfClass>STEEL ETF</titleOfClass>
       <cusip>92189F205</cusip>
       <value>127</value>
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           <None>5800</None>
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       <nameOfIssuer>VANECK VECTORS ETF TR</nameOfIssuer>
       <titleOfClass>VIETNAM ETF</titleOfClass>
       <cusip>92189F817</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
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       <otherManager>1</otherManager>
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           <None>400</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
       <titleOfClass>INTERMED TERM</titleOfClass>
       <cusip>921937819</cusip>
       <value>1</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15</sshPrnamt>
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           <None>15</None>
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       <nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
       <titleOfClass>LONG TERM BOND</titleOfClass>
       <cusip>921937793</cusip>
       <value>1</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12</sshPrnamt>
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       <otherManager>1</otherManager>
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           <None>0</None>
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       <nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
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       <cusip>921937827</cusip>
       <value>2</value>
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           <None>30</None>
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       <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
       <titleOfClass>INTL BD IDX ETF</titleOfClass>
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       <value>3</value>
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           <None>47</None>
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       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>REIT ETF</titleOfClass>
       <cusip>922908553</cusip>
       <value>3125</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>44744</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SML CP GRW ETF</titleOfClass>
       <cusip>922908595</cusip>
       <value>316</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <None>2100</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>LARGE CAP ETF</titleOfClass>
       <cusip>922908637</cusip>
       <value>656</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>5540</None>
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       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SM CP VAL ETF</titleOfClass>
       <cusip>922908611</cusip>
       <value>202</value>
       <shrsOrPrnAmt>
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           <None>2277</None>
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       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>REIT ETF</titleOfClass>
       <cusip>922908553</cusip>
       <value>874</value>
       <shrsOrPrnAmt>
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           <None>12508</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>VALUE ETF</titleOfClass>
       <cusip>922908744</cusip>
       <value>397</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <None>4455</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>TOTAL STK MKT</titleOfClass>
       <cusip>922908769</cusip>
       <value>395</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3065</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <None>3065</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>VALUE ETF</titleOfClass>
       <cusip>922908744</cusip>
       <value>2626</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <None>29486</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
       <cusip>922908363</cusip>
       <value>28147</value>
       <shrsOrPrnAmt>
           <sshPrnamt>118854</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>118854</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>EXTEND MKT ETF</titleOfClass>
       <cusip>922908652</cusip>
       <value>1</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>11</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>MCAP VL IDXVIP</titleOfClass>
       <cusip>922908512</cusip>
       <value>293</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3610</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>3610</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>MCAP GR IDXVIP</titleOfClass>
       <cusip>922908538</cusip>
       <value>252</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1990</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1990</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
       <cusip>922908363</cusip>
       <value>1736</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7332</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>7332</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>TOTAL STK MKT</titleOfClass>
       <cusip>922908769</cusip>
       <value>1202</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9324</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>9324</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>GROWTH ETF</titleOfClass>
       <cusip>922908736</cusip>
       <value>1132</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7227</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>7227</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SMALL CP ETF</titleOfClass>
       <cusip>922908751</cusip>
       <value>71</value>
       <shrsOrPrnAmt>
           <sshPrnamt>613</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <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>SMALL CP ETF</titleOfClass>
       <cusip>922908751</cusip>
       <value>2061</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17852</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>17852</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
       <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
       <cusip>922042858</cusip>
       <value>336</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10010</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>10010</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
       <titleOfClass>ALLWRLD EX US</titleOfClass>
       <cusip>922042775</cusip>
       <value>666</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16248</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>16248</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
       <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
       <cusip>922042858</cusip>
       <value>689</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20531</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>20531</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
       <titleOfClass>TT WRLD ST ETF</titleOfClass>
       <cusip>922042742</cusip>
       <value>503</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8012</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>8012</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
       <titleOfClass>ALLWRLD EX US</titleOfClass>
       <cusip>922042775</cusip>
       <value>5585</value>
       <shrsOrPrnAmt>
           <sshPrnamt>136154</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>136154</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD MUN BD FD INC</nameOfIssuer>
       <titleOfClass>TAX-EXEMPT BD</titleOfClass>
       <cusip>922907746</cusip>
       <value>175</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3307</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>3307</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>SHRT TRM CORP BD</titleOfClass>
       <cusip>92206C409</cusip>
       <value>3518</value>
       <shrsOrPrnAmt>
           <sshPrnamt>44480</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>44480</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>VNG RUS2000IDX</titleOfClass>
       <cusip>92206C664</cusip>
       <value>355</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3850</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>3850</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>SHRT TRM CORP BD</titleOfClass>
       <cusip>92206C409</cusip>
       <value>24</value>
       <shrsOrPrnAmt>
           <sshPrnamt>309</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>309</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>INT-TERM CORP</titleOfClass>
       <cusip>92206C870</cusip>
       <value>47</value>
       <shrsOrPrnAmt>
           <sshPrnamt>537</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>537</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>MORTG-BACK SEC</titleOfClass>
       <cusip>92206C771</cusip>
       <value>7963</value>
       <shrsOrPrnAmt>
           <sshPrnamt>146104</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>146104</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SPECIALIZED PORTFOL</nameOfIssuer>
       <titleOfClass>DIV APP ETF</titleOfClass>
       <cusip>921908844</cusip>
       <value>1184</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11451</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>11451</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD TAX MANAGED INTL FD</nameOfIssuer>
       <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
       <cusip>921943858</cusip>
       <value>1508</value>
       <shrsOrPrnAmt>
           <sshPrnamt>45228</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>45228</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD TAX MANAGED INTL FD</nameOfIssuer>
       <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
       <cusip>921943858</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>97</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>97</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD WHITEHALL FDS INC</nameOfIssuer>
       <titleOfClass>HIGH DIV YLD</titleOfClass>
       <cusip>921946406</cusip>
       <value>42</value>
       <shrsOrPrnAmt>
           <sshPrnamt>600</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>600</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD WHITEHALL FDS INC</nameOfIssuer>
       <titleOfClass>HIGH DIV YLD</titleOfClass>
       <cusip>921946406</cusip>
       <value>199</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2806</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>2806</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VARIAN MED SYS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92220P105</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>87</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>87</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERICEL CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92346J108</cusip>
       <value>46</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5065</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>5065</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERISIGN INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92343E102</cusip>
       <value>83</value>
       <shrsOrPrnAmt>
           <sshPrnamt>461</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>461</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92345Y106</cusip>
       <value>19</value>
       <shrsOrPrnAmt>
           <sshPrnamt>137</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>137</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92345Y106</cusip>
       <value>25</value>
       <shrsOrPrnAmt>
           <sshPrnamt>182</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>182</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92343V104</cusip>
       <value>13433</value>
       <shrsOrPrnAmt>
           <sshPrnamt>250007</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>250007</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92343V104</cusip>
       <value>512</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9535</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>9535</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92532F100</cusip>
       <value>91</value>
       <shrsOrPrnAmt>
           <sshPrnamt>383</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>383</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92532F100</cusip>
       <value>53</value>
       <shrsOrPrnAmt>
           <sshPrnamt>224</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>224</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VIACOMCBS INC</nameOfIssuer>
       <titleOfClass>CL B</titleOfClass>
       <cusip>92556H206</cusip>
       <value>76</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5438</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>5438</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VIACOMCBS INC</nameOfIssuer>
       <titleOfClass>CL B</titleOfClass>
       <cusip>92556H206</cusip>
       <value>12</value>
       <shrsOrPrnAmt>
           <sshPrnamt>844</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>844</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VIASAT INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92552V100</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>185</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>185</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VIAVI SOLUTIONS INC</nameOfIssuer>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>77</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ZOOM VIDEO COMMUNICATIONS IN</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>98980L101</cusip>
       <value>459</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3140</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>3140</None>
       </votingAuthority>
   </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
