<SEC-DOCUMENT>0000950123-21-009650.txt : 20210804
<SEC-HEADER>0000950123-21-009650.hdr.sgml : 20210804
<ACCEPTANCE-DATETIME>20210804161334
ACCESSION NUMBER:		0000950123-21-009650
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20210630
FILED AS OF DATE:		20210804
DATE AS OF CHANGE:		20210804
EFFECTIVENESS DATE:		20210804

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:		211144168

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

	MAIL ADDRESS:	
		STREET 1:		1 CITIZENS PLAZA
		CITY:			PROVIDENCE
		STATE:			RI
		ZIP:			02903
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
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  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags/>
      <filer>
        <credentials>
          <cik>0000759944</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>06-30-2021</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>06-30-2021</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <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>Westwood</city>
      <stateOrCountry>MA</stateOrCountry>
      <signatureDate>08-04-2021</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>2</otherIncludedManagersCount>
      <tableEntryTotal>497</tableEntryTotal>
      <tableValueTotal>2303741</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
      <otherManagers2Info>
        <otherManager2>
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        <otherManager2>
          <sequenceNumber>2</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-19418</form13FFileNumber>
            <name>Clarfeld Financial Advisors, LLC</name>
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      </otherManagers2Info>
    </summaryPage>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>5152.xml
<DESCRIPTION>INFORMATION TABLE FOR FORM 13F
<TEXT>
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    <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9509</Sole>
      <Shared>0</Shared>
      <None>9509</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40434L105</cusip>
    <value>334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11058</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HUBBELL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>443510607</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1104</Sole>
      <Shared>0</Shared>
      <None>1104</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HUMANA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>444859102</cusip>
    <value>357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>807</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>IAC INTERACTIVECORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>44891N208</cusip>
    <value>304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1969</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>IDEXX LABS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45168D104</cusip>
    <value>361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>572</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>572</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>IHS MARKIT LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G47567105</cusip>
    <value>507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4503</None>
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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>452308109</cusip>
    <value>2372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10610</Sole>
      <Shared>0</Shared>
      <None>10610</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>452308109</cusip>
    <value>573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2561</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ILLUMINA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>452327109</cusip>
    <value>247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>522</None>
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  <infoTable>
    <nameOfIssuer>INSULET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45784P101</cusip>
    <value>316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1151</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>1415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25210</Sole>
      <Shared>0</Shared>
      <None>25210</None>
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  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>1055</value>
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      <sshPrnamt>18791</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18791</None>
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  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45866F104</cusip>
    <value>509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4285</Sole>
      <Shared>0</Shared>
      <None>4285</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45866F104</cusip>
    <value>6945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>58506</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>1491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10169</Sole>
      <Shared>0</Shared>
      <None>10169</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3896</None>
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  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>460690100</cusip>
    <value>432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13305</None>
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  <infoTable>
    <nameOfIssuer>INTUIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>461202103</cusip>
    <value>948</value>
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      <sshPrnamt>1934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1934</Sole>
      <Shared>0</Shared>
      <None>1934</None>
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  <infoTable>
    <nameOfIssuer>INTUIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>461202103</cusip>
    <value>875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>1785</None>
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  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MANAGD ETF</nameOfIssuer>
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    <cusip>46090A804</cusip>
    <value>1034</value>
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      <sshPrnamt>18121</sshPrnamt>
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      <None>18121</None>
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  <infoTable>
    <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
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    <cusip>46138B103</cusip>
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      <sshPrnamt>15082</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>15082</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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      <sshPrnamt>27650</sshPrnamt>
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      <Sole>0</Sole>
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      <None>27650</None>
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  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5009</None>
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  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
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    <value>1068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16653</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16653</None>
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  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
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    <value>224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6658</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6658</Sole>
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      <None>6658</None>
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  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
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    <value>273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8107</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>8107</None>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT</titleOfClass>
    <cusip>46434G103</cusip>
    <value>21600</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>322429</Sole>
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      <None>322429</None>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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    <cusip>46434G103</cusip>
    <value>28854</value>
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      <sshPrnamt>430721</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
      <None>430721</None>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>ESG MSCI EM ETF</titleOfClass>
    <cusip>46434G863</cusip>
    <value>1128</value>
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      <sshPrnamt>24992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24992</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>USA MIN VOL ETF</titleOfClass>
    <cusip>46429B697</cusip>
    <value>3772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>51245</Sole>
      <Shared>0</Shared>
      <None>51245</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID-CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>3846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48531</Sole>
      <Shared>0</Shared>
      <None>48531</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287622</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>910</Sole>
      <Shared>0</Shared>
      <None>910</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF</titleOfClass>
    <cusip>464288885</cusip>
    <value>427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3982</Sole>
      <Shared>0</Shared>
      <None>3982</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1535</Sole>
      <Shared>0</Shared>
      <None>1535</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NASDQ BIOTEC ETF</titleOfClass>
    <cusip>464287556</cusip>
    <value>410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2506</Sole>
      <Shared>0</Shared>
      <None>2506</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE</titleOfClass>
    <cusip>46432F842</cusip>
    <value>34331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>458599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>458599</Sole>
      <Shared>0</Shared>
      <None>458599</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF</titleOfClass>
    <cusip>464287242</cusip>
    <value>2411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17941</Sole>
      <Shared>0</Shared>
      <None>17941</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>1-3 YR TR BD ETF</titleOfClass>
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    <value>1942</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>22541</Sole>
      <Shared>0</Shared>
      <None>22541</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JP MOR EM MK ETF</titleOfClass>
    <cusip>464288281</cusip>
    <value>1546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13745</sshPrnamt>
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      <None>13745</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>38345</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>486116</Sole>
      <Shared>0</Shared>
      <None>486116</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7203</sshPrnamt>
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      <None>7203</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>764</value>
    <shrsOrPrnAmt>
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      <None>13860</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>5244</value>
    <shrsOrPrnAmt>
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      <Sole>22862</Sole>
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      <None>22862</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>57522</value>
    <shrsOrPrnAmt>
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      <None>214052</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
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    <shrsOrPrnAmt>
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      <Sole>27335</Sole>
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      <None>27335</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
    <cusip>464287150</cusip>
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    <shrsOrPrnAmt>
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      <Sole>2115</Sole>
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      <None>2115</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
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    <shrsOrPrnAmt>
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      <None>124110</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. PFD STK ETF</titleOfClass>
    <cusip>464288687</cusip>
    <value>532</value>
    <shrsOrPrnAmt>
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      <None>13532</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>9961</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>136955</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>7-10 Y TR BD ETF</titleOfClass>
    <cusip>464287440</cusip>
    <value>874</value>
    <shrsOrPrnAmt>
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      <Sole>7565</Sole>
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      <None>7565</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>10366</Sole>
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      <None>10366</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
    <cusip>464287226</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>6465</sshPrnamt>
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    <votingAuthority>
      <Sole>6465</Sole>
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      <None>6465</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AWR US AGRGT</titleOfClass>
    <cusip>46435U549</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>7918</Sole>
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      <None>7918</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG MSCI EAFE</titleOfClass>
    <cusip>46435G516</cusip>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>3393</Sole>
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      <None>3393</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US TR BD</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>228077</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF</titleOfClass>
    <cusip>464288273</cusip>
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    <shrsOrPrnAmt>
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      <None>21778</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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      <None>86077</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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      <None>6067</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>USA MIN VOL ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>95312</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287309</cusip>
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    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>75393</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>33941</None>
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  <infoTable>
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    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>165542</None>
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  <infoTable>
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    <titleOfClass>CORE MSCI INTL</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>66964</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
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    <value>3333</value>
    <shrsOrPrnAmt>
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      <None>28577</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
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    <value>32988</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>143818</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG MSCI EAFE</titleOfClass>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7042</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>170006</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
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    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>11236</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG MSCI USA ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>2626</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID-CAP ETF</titleOfClass>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>3843</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>2166</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2166</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
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    <value>1094</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6895</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE</titleOfClass>
    <cusip>46432F842</cusip>
    <value>73996</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>988455</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
    <value>877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6851</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6851</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE MIN VOL ETF</titleOfClass>
    <cusip>46429B689</cusip>
    <value>264</value>
    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
      <sshPrnamt>5322</sshPrnamt>
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      <None>5322</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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      <None>65561</None>
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      <None>222011</None>
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      <None>138528</None>
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    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>4577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11152</Sole>
      <Shared>0</Shared>
      <None>11152</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2375</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHEIN HENRY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>806407102</cusip>
    <value>482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6498</Sole>
      <Shared>0</Shared>
      <None>6498</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHNITZER STL INDS</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>806882106</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>11195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>153754</Sole>
      <Shared>0</Shared>
      <None>153754</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>1694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23267</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US MID-CAP ETF</titleOfClass>
    <cusip>808524508</cusip>
    <value>1406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17968</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>1540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14778</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>1705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20709</Sole>
      <Shared>0</Shared>
      <None>20709</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2650</Sole>
      <Shared>0</Shared>
      <None>2650</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4514</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>1181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21916</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-FINL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26475</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>374</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>1069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3924</Sole>
      <Shared>0</Shared>
      <None>3924</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1515</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIRIUS XM HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>82968B103</cusip>
    <value>82</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12580</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>83304A106</cusip>
    <value>424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6222</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11658</Sole>
      <Shared>0</Shared>
      <None>11658</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>1040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6278</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>MSCI ACWI EXUS</titleOfClass>
    <cusip>78463X848</cusip>
    <value>2135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>70692</Sole>
      <Shared>0</Shared>
      <None>70692</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>49765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>116258</Sole>
      <Shared>0</Shared>
      <None>116258</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>5859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13688</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>37221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75804</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>75804</Sole>
      <Shared>0</Shared>
      <None>75804</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>1710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3483</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>NUV HGHYLD MUN</titleOfClass>
    <cusip>78464A284</cusip>
    <value>259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4260</Sole>
      <Shared>0</Shared>
      <None>4260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VALUE</titleOfClass>
    <cusip>78464A508</cusip>
    <value>365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9234</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>DJ REIT ETF</titleOfClass>
    <cusip>78464A607</cusip>
    <value>694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6615</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P METALS MNG</titleOfClass>
    <cusip>78464A755</cusip>
    <value>554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12864</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GROWTH</titleOfClass>
    <cusip>78464A409</cusip>
    <value>2954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>46904</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3644</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BLOOMBERG BRCLYS</titleOfClass>
    <cusip>78468R622</cusip>
    <value>209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1905</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH</titleOfClass>
    <cusip>78464A870</cusip>
    <value>221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1633</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>MULT ASS RLRTN</titleOfClass>
    <cusip>78467V103</cusip>
    <value>1329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>46525</Sole>
      <Shared>0</Shared>
      <None>46525</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>SPDR TR TACTIC</titleOfClass>
    <cusip>78467V848</cusip>
    <value>466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9630</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>854502101</cusip>
    <value>243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1187</Sole>
      <Shared>0</Shared>
      <None>1187</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>1016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9084</Sole>
      <Shared>0</Shared>
      <None>9084</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>1859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16623</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16623</None>
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    <nameOfIssuer>STATE STR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>857477103</cusip>
    <value>367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4462</None>
    </votingAuthority>
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    <nameOfIssuer>STRYKER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>9084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34973</Sole>
      <Shared>0</Shared>
      <None>34973</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STRYKER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3800</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8016</Sole>
      <Shared>0</Shared>
      <None>8016</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>T MOBILE US INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872590104</cusip>
    <value>539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3722</None>
    </votingAuthority>
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    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>14356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>59385</Sole>
      <Shared>0</Shared>
      <None>59385</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>2037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8425</None>
    </votingAuthority>
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    <nameOfIssuer>TELEFLEX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>879369106</cusip>
    <value>372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>925</Sole>
      <Shared>0</Shared>
      <None>925</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TESLA MTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
    <value>4370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6429</None>
    </votingAuthority>
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    <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>882508104</cusip>
    <value>17758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>92343</Sole>
      <Shared>0</Shared>
      <None>92343</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>882508104</cusip>
    <value>1803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9375</None>
    </votingAuthority>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>24273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>48116</Sole>
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      <None>48116</None>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>2257</value>
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      <sshPrnamt>4473</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4473</None>
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    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
    <value>1800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26705</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>26705</Sole>
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      <None>26705</None>
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  <infoTable>
    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
    <value>396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5873</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>5873</None>
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    <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>892356106</cusip>
    <value>363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1951</Sole>
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      <None>1951</None>
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    <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>271</value>
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      <sshPrnamt>1469</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>1469</None>
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    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>1373</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>9169</None>
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    <nameOfIssuer>TWILIO INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>90138F102</cusip>
    <value>508</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>1289</None>
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    <nameOfIssuer>TWITTER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>90184L102</cusip>
    <value>246</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>3568</None>
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    <value>5441</value>
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      <Sole>73764</Sole>
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      <None>73764</None>
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    <nameOfIssuer>TYSON FOODS INC</nameOfIssuer>
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    <cusip>902494103</cusip>
    <value>534</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <None>7233</None>
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    <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>208</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4146</None>
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    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>9279</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>42191</Sole>
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      <None>42191</None>
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  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>1291</value>
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      <sshPrnamt>5872</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>5872</None>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>14988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37428</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>37428</Sole>
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      <None>37428</None>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>3088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7713</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7713</None>
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  <infoTable>
    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>902973304</cusip>
    <value>742</value>
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      <sshPrnamt>13033</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>13033</Sole>
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      <None>13033</None>
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  <infoTable>
    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>902973304</cusip>
    <value>470</value>
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      <sshPrnamt>8253</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8253</None>
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  <infoTable>
    <nameOfIssuer>VANECK VECTORS ETF TR</nameOfIssuer>
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    <cusip>92189F700</cusip>
    <value>736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8080</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>8080</None>
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    <nameOfIssuer>VANECK VECTORS ETF TR</nameOfIssuer>
    <titleOfClass>STEEL ETF</titleOfClass>
    <cusip>92189F205</cusip>
    <value>366</value>
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      <sshPrnamt>5910</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>5910</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
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    <cusip>921937819</cusip>
    <value>385</value>
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      <None>4275</None>
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    <titleOfClass>SHORT TRM BOND</titleOfClass>
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    <value>765</value>
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      <None>9312</None>
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    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1374</sshPrnamt>
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      <Sole>1374</Sole>
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      <None>1374</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
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    <value>5328</value>
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      <Sole>38763</Sole>
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      <None>38763</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>39297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99859</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>99859</Sole>
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      <None>99859</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REIT ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>13613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133740</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>133740</Sole>
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      <None>133740</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1616</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1059</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>11107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49302</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2002</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3714</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>5858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29182</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REIT ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>24610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>241770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>241770</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>31147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>226588</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>71698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>181583</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>1153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6637</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>2823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9843</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3282</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>9254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>145988</Sole>
      <Shared>0</Shared>
      <None>145988</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>1117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20567</Sole>
      <Shared>0</Shared>
      <None>20567</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EUROPE ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3601</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>TT WRLD ST ETF</titleOfClass>
    <cusip>922042742</cusip>
    <value>830</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>1301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20527</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>2226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40988</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FD INC</nameOfIssuer>
    <titleOfClass>TAX-EXEMPT BD</titleOfClass>
    <cusip>922907746</cusip>
    <value>321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5797</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>MORTG-BACK SEC</titleOfClass>
    <cusip>92206C771</cusip>
    <value>8290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>155325</Sole>
      <Shared>0</Shared>
      <None>155325</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>3317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40101</Sole>
      <Shared>0</Shared>
      <None>40101</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW</titleOfClass>
    <cusip>92206C680</cusip>
    <value>267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3814</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX</titleOfClass>
    <cusip>92206C664</cusip>
    <value>607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6540</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>MORTG-BACK SEC</titleOfClass>
    <cusip>92206C771</cusip>
    <value>286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5361</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED PORTFOL</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>2123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13713</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
    <cusip>921943858</cusip>
    <value>992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19246</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>ESG US STK ETF</titleOfClass>
    <cusip>921910733</cusip>
    <value>247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3092</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>ENERGY ETF</titleOfClass>
    <cusip>92204A306</cusip>
    <value>251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3301</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VBI VACCINES INC CDA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91822J103</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10385</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERICEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92346J108</cusip>
    <value>266</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>VERISK ANALYTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92345Y106</cusip>
    <value>240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1375</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>12709</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>226829</Sole>
      <Shared>0</Shared>
      <None>226829</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>1875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33456</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>20187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>86335</Sole>
      <Shared>0</Shared>
      <None>86335</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>4193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17934</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VTV THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>918385105</cusip>
    <value>160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>70000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>929160109</cusip>
    <value>6897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>39620</Sole>
      <Shared>0</Shared>
      <None>39620</None>
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