<SEC-DOCUMENT>0000759944-24-000113.txt : 20240517
<SEC-HEADER>0000759944-24-000113.hdr.sgml : 20240517
<ACCEPTANCE-DATETIME>20240517163409
ACCESSION NUMBER:		0000759944-24-000113
CONFORMED SUBMISSION TYPE:	13F-HR/A
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20240331
FILED AS OF DATE:		20240517
DATE AS OF CHANGE:		20240517
EFFECTIVENESS DATE:		20240517

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIZENS FINANCIAL GROUP INC/RI
		CENTRAL INDEX KEY:			0000759944
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				050412693
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-05954
		FILM NUMBER:		24960407

	BUSINESS ADDRESS:	
		STREET 1:		1 CITIZENS PLAZA
		CITY:			PROVIDENCE
		STATE:			RI
		ZIP:			02903
		BUSINESS PHONE:		2039006715

	MAIL ADDRESS:	
		STREET 1:		1 CITIZENS PLAZA
		CITY:			PROVIDENCE
		STATE:			RI
		ZIP:			02903
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR/A
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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      <periodOfReport>03-31-2024</periodOfReport>
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      <reportCalendarOrQuarter>03-31-2024</reportCalendarOrQuarter>
      <isAmendment>true</isAmendment>
      <amendmentNo>1</amendmentNo>
      <amendmentInfo>
        <amendmentType>RESTATEMENT</amendmentType>
        <confDeniedExpired>false</confDeniedExpired>
      </amendmentInfo>
      <filingManager>
        <name>CITIZENS FINANCIAL GROUP INC/RI</name>
        <address>
          <com:street1>1 CITIZENS PLAZA</com:street1>
          <com:city>PROVIDENCE</com:city>
          <com:stateOrCountry>RI</com:stateOrCountry>
          <com:zipCode>02903</com:zipCode>
        </address>
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          <name>Clarfeld Financial Advisors, LLC,</name>
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      <provideInfoForInstruction5>N</provideInfoForInstruction5>
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    <signatureBlock>
      <name>David P. Russell</name>
      <title>Senior Vice President</title>
      <phone>203-900-6844</phone>
      <signature>/s/ David P. Russell</signature>
      <city>Stamford</city>
      <stateOrCountry>CT</stateOrCountry>
      <signatureDate>05-17-2024</signatureDate>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>information_table.xml
<DESCRIPTION>INFORMATION TABLE
<TEXT>
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INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>717081103</cusip><value>1318930</value><shrsOrPrnAmt><sshPrnamt>47529</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>47529</Sole><Shared>0</Shared><None>47529</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PFIZER INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>717081103</cusip><value>2081280</value><shrsOrPrnAmt><sshPrnamt>75001</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>75001</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>718172109</cusip><value>1106404</value><shrsOrPrnAmt><sshPrnamt>12076</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>12076</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>718546104</cusip><value>358485</value><shrsOrPrnAmt><sshPrnamt>2195</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>2195</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PIMCO ETF TR</nameOfIssuer><titleOfClass>ENHAN SHRT MA AC</titleOfClass><cusip>72201R833</cusip><value>748307</value><shrsOrPrnAmt><sshPrnamt>7443</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>7443</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>693475105</cusip><value>2032120</value><shrsOrPrnAmt><sshPrnamt>12575</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>12575</Sole><Shared>0</Shared><None>12575</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>693475105</cusip><value>517069</value><shrsOrPrnAmt><sshPrnamt>3200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>3200</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PPG INDS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>693506107</cusip><value>668714</value><shrsOrPrnAmt><sshPrnamt>4615</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>4615</Sole><Shared>0</Shared><None>4615</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PPG INDS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>693506107</cusip><value>1324636</value><shrsOrPrnAmt><sshPrnamt>9142</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>9142</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>74144T108</cusip><value>355763</value><shrsOrPrnAmt><sshPrnamt>2918</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>2918</Sole><Shared>0</Shared><None>2918</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>742718109</cusip><value>69114768</value><shrsOrPrnAmt><sshPrnamt>425977</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>425977</Sole><Shared>0</Shared><None>425977</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>742718109</cusip><value>4667133</value><shrsOrPrnAmt><sshPrnamt>28765</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>28765</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROGRESSIVE CORP OHIO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>743315103</cusip><value>1137303</value><shrsOrPrnAmt><sshPrnamt>5499</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>5499</Sole><Shared>0</Shared><None>5499</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROGRESSIVE CORP OHIO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>743315103</cusip><value>636784</value><shrsOrPrnAmt><sshPrnamt>3079</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>3079</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROSHARES TR</nameOfIssuer><titleOfClass>S&amp;P 500 DV ARIST</titleOfClass><cusip>74348A467</cusip><value>209327</value><shrsOrPrnAmt><sshPrnamt>2064</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>2064</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROSHARES TR</nameOfIssuer><titleOfClass>ULTRA FNCLS NEW</titleOfClass><cusip>74347X633</cusip><value>247370</value><shrsOrPrnAmt><sshPrnamt>3621</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>3621</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>744320102</cusip><value>253114</value><shrsOrPrnAmt><sshPrnamt>2156</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>2156</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PUBLIC STORAGE</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>74460D109</cusip><value>3214138</value><shrsOrPrnAmt><sshPrnamt>11081</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>11081</Sole><Shared>0</Shared><None>11081</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUALCOMM INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>747525103</cusip><value>603844</value><shrsOrPrnAmt><sshPrnamt>3567</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>3567</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUANTA SVCS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>74762E102</cusip><value>5994080</value><shrsOrPrnAmt><sshPrnamt>23072</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>23072</Sole><Shared>0</Shared><None>23072</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUANTA SVCS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>74762E102</cusip><value>1460177</value><shrsOrPrnAmt><sshPrnamt>5620</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>5620</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QURATE RETAIL INC</nameOfIssuer><titleOfClass>COM SER A</titleOfClass><cusip>74915M100</cusip><value>42602</value><shrsOrPrnAmt><sshPrnamt>34636</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>34636</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RAYMOND JAMES FINANCIAL INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>754730109</cusip><value>5240753</value><shrsOrPrnAmt><sshPrnamt>40809</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>40809</Sole><Shared>0</Shared><None>40809</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RAYMOND JAMES FINANCIAL INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>754730109</cusip><value>1194687</value><shrsOrPrnAmt><sshPrnamt>9303</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>9303</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>75513E101</cusip><value>1394972</value><shrsOrPrnAmt><sshPrnamt>14303</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>14303</Sole><Shared>0</Shared><None>14303</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>75513E101</cusip><value>1614897</value><shrsOrPrnAmt><sshPrnamt>16558</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>16558</None></votingAuthority></infoTable><infoTable><nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>75886F107</cusip><value>9610813</value><shrsOrPrnAmt><sshPrnamt>9985</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>9985</Sole><Shared>0</Shared><None>9985</None></votingAuthority></infoTable><infoTable><nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>75886F107</cusip><value>1942305</value><shrsOrPrnAmt><sshPrnamt>2018</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>2018</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RPM INTL INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>749685103</cusip><value>301419</value><shrsOrPrnAmt><sshPrnamt>2534</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>2534</Sole><Shared>0</Shared><None>2534</None></votingAuthority></infoTable><infoTable><nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>78409V104</cusip><value>502031</value><shrsOrPrnAmt><sshPrnamt>1180</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>1180</Sole><Shared>0</Shared><None>1180</None></votingAuthority></infoTable><infoTable><nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>78409V104</cusip><value>1076983</value><shrsOrPrnAmt><sshPrnamt>2531</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>2531</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SALESFORCE COM INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>79466L302</cusip><value>4566162</value><shrsOrPrnAmt><sshPrnamt>15161</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>15161</Sole><Shared>0</Shared><None>15161</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SALESFORCE COM INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>79466L302</cusip><value>2050735</value><shrsOrPrnAmt><sshPrnamt>6809</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>6809</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHEIN HENRY INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>806407102</cusip><value>441037</value><shrsOrPrnAmt><sshPrnamt>5840</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>5840</Sole><Shared>0</Shared><None>5840</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>806857108</cusip><value>8384441</value><shrsOrPrnAmt><sshPrnamt>152973</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>152973</Sole><Shared>0</Shared><None>152973</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>806857108</cusip><value>1684614</value><shrsOrPrnAmt><sshPrnamt>30736</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>30736</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB CHARLES CORP NEW</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>808513105</cusip><value>5631327</value><shrsOrPrnAmt><sshPrnamt>77845</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>77845</Sole><Shared>0</Shared><None>77845</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB CHARLES CORP NEW</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>808513105</cusip><value>1274070</value><shrsOrPrnAmt><sshPrnamt>17612</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>17612</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US LRG CAP ETF</titleOfClass><cusip>808524201</cusip><value>228691</value><shrsOrPrnAmt><sshPrnamt>3685</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>3685</Sole><Shared>0</Shared><None>3685</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US BRD MKT ETF</titleOfClass><cusip>808524102</cusip><value>768833</value><shrsOrPrnAmt><sshPrnamt>12593</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>12593</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US MID-CAP ETF</titleOfClass><cusip>808524508</cusip><value>3696670</value><shrsOrPrnAmt><sshPrnamt>45397</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>45397</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US SML CAP ETF</titleOfClass><cusip>808524607</cusip><value>2388700</value><shrsOrPrnAmt><sshPrnamt>48511</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>48511</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>TECHNOLOGY</titleOfClass><cusip>81369Y803</cusip><value>593778</value><shrsOrPrnAmt><sshPrnamt>2851</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>2851</Sole><Shared>0</Shared><None>2851</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-FINL</titleOfClass><cusip>81369Y605</cusip><value>353808</value><shrsOrPrnAmt><sshPrnamt>8400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>8400</Sole><Shared>0</Shared><None>8400</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-ENERGY</titleOfClass><cusip>81369Y506</cusip><value>258589</value><shrsOrPrnAmt><sshPrnamt>2739</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>2739</Sole><Shared>0</Shared><None>2739</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI MATERIALS</titleOfClass><cusip>81369Y100</cusip><value>1009436</value><shrsOrPrnAmt><sshPrnamt>10867</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>10867</Sole><Shared>0</Shared><None>10867</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI 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