<SEC-DOCUMENT>0000759944-24-000181.txt : 20241108
<SEC-HEADER>0000759944-24-000181.hdr.sgml : 20241108
<ACCEPTANCE-DATETIME>20241108160458
ACCESSION NUMBER:		0000759944-24-000181
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20240930
FILED AS OF DATE:		20241108
DATE AS OF CHANGE:		20241108
EFFECTIVENESS DATE:		20241108

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
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-05954
		FILM NUMBER:		241440445

	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
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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      <periodOfReport>09-30-2024</periodOfReport>
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      <reportCalendarOrQuarter>09-30-2024</reportCalendarOrQuarter>
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      <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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    <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>11-08-2024</signatureDate>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
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<DESCRIPTION>INFORMATION TABLE
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OHIO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>743315103</cusip><value>1471554</value><shrsOrPrnAmt><sshPrnamt>5799</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>5799</Sole><Shared>0</Shared><None>5799</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROGRESSIVE CORP OHIO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>743315103</cusip><value>2177839</value><shrsOrPrnAmt><sshPrnamt>8582</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>8582</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROSHARES TR</nameOfIssuer><titleOfClass>S&amp;P 500 DV 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INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>744320102</cusip><value>507093</value><shrsOrPrnAmt><sshPrnamt>4187</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>4187</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PURE STORAGE INC</nameOfIssuer><titleOfClass>CL A</titleOfClass><cusip>74624M102</cusip><value>1428373</value><shrsOrPrnAmt><sshPrnamt>28431</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>28431</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUALCOMM 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INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>754730109</cusip><value>1468698</value><shrsOrPrnAmt><sshPrnamt>11993</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>11993</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>75513E101</cusip><value>1591921</value><shrsOrPrnAmt><sshPrnamt>13139</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>13139</Sole><Shared>0</Shared><None>13139</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>75513E101</cusip><value>3275147</value><shrsOrPrnAmt><sshPrnamt>27032</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>27032</None></votingAuthority></infoTable><infoTable><nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>75886F107</cusip><value>9752736</value><shrsOrPrnAmt><sshPrnamt>9277</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>9277</Sole><Shared>0</Shared><None>9277</None></votingAuthority></infoTable><infoTable><nameOfIssuer>REGENERON 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INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>76155X100</cusip><value>1215017</value><shrsOrPrnAmt><sshPrnamt>26792</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>26792</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer><titleOfClass>COM CL A</titleOfClass><cusip>76954A103</cusip><value>136020</value><shrsOrPrnAmt><sshPrnamt>12123</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>12123</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ROBINHOOD MKTS INC</nameOfIssuer><titleOfClass>COM CL 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INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>79466L302</cusip><value>6555942</value><shrsOrPrnAmt><sshPrnamt>23952</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>23952</Sole><Shared>0</Shared><None>23952</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SALESFORCE COM INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>79466L302</cusip><value>15827391</value><shrsOrPrnAmt><sshPrnamt>57744</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>57744</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer><titleOfClass>CL 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NEW</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>808513105</cusip><value>4714297</value><shrsOrPrnAmt><sshPrnamt>72740</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>72740</Sole><Shared>0</Shared><None>72740</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB CHARLES CORP NEW</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>808513105</cusip><value>1732853</value><shrsOrPrnAmt><sshPrnamt>26737</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>26737</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US LRG CAP ETF</titleOfClass><cusip>808524201</cusip><value>250027</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 MID-CAP ETF</titleOfClass><cusip>808524508</cusip><value>3722828</value><shrsOrPrnAmt><sshPrnamt>44805</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>44805</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US LRG CAP ETF</titleOfClass><cusip>808524201</cusip><value>913738</value><shrsOrPrnAmt><sshPrnamt>13467</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>13467</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US LCAP GR ETF</titleOfClass><cusip>808524300</cusip><value>418355</value><shrsOrPrnAmt><sshPrnamt>4016</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>4016</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US BRD MKT ETF</titleOfClass><cusip>808524102</cusip><value>884076</value><shrsOrPrnAmt><sshPrnamt>13290</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>13290</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US SML CAP ETF</titleOfClass><cusip>808524607</cusip><value>2694068</value><shrsOrPrnAmt><sshPrnamt>52312</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>52312</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR 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MATERIALS</titleOfClass><cusip>81369Y100</cusip><value>933922</value><shrsOrPrnAmt><sshPrnamt>9690</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>9690</Sole><Shared>0</Shared><None>9690</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI MATERIALS</titleOfClass><cusip>81369Y100</cusip><value>574059</value><shrsOrPrnAmt><sshPrnamt>5956</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>5956</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-UTILS</titleOfClass><cusip>81369Y886</cusip><value>1597206</value><shrsOrPrnAmt><sshPrnamt>19772</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>19772</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-ENERGY</titleOfClass><cusip>81369Y506</cusip><value>1763572</value><shrsOrPrnAmt><sshPrnamt>20086</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>20086</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI CONS STPLS</titleOfClass><cusip>81369Y308</cusip><value>2921243</value><shrsOrPrnAmt><sshPrnamt>35196</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>35196</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>RL EST SEL SEC</titleOfClass><cusip>81369Y860</cusip><value>4424343</value><shrsOrPrnAmt><sshPrnamt>99045</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>99045</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-INDS</titleOfClass><cusip>81369Y704</cusip><value>680450</value><shrsOrPrnAmt><sshPrnamt>5024</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>5024</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI CONS DISCR</titleOfClass><cusip>81369Y407</cusip><value>822540</value><shrsOrPrnAmt><sshPrnamt>4105</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>4105</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI HEALTHCARE</titleOfClass><cusip>81369Y209</cusip><value>2187847</value><shrsOrPrnAmt><sshPrnamt>14205</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>14205</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-FINL</titleOfClass><cusip>81369Y605</cusip><value>16038235</value><shrsOrPrnAmt><sshPrnamt>353889</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>353889</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>TECHNOLOGY</titleOfClass><cusip>81369Y803</cusip><value>31501896</value><shrsOrPrnAmt><sshPrnamt>139537</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>139537</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SEMLER SCIENTIFIC INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>81684M104</cusip><value>400350</value><shrsOrPrnAmt><sshPrnamt>17000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>17000</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SEMPRA ENERGY</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>816851109</cusip><value>2486892</value><shrsOrPrnAmt><sshPrnamt>29518</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>29518</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SERVICENOW INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>81762P102</cusip><value>484759</value><shrsOrPrnAmt><sshPrnamt>542</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>542</Sole><Shared>0</Shared><None>542</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SERVICENOW INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>81762P102</cusip><value>2895140</value><shrsOrPrnAmt><sshPrnamt>3237</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>3237</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SHARECARE INC</nameOfIssuer><titleOfClass>COM CL A</titleOfClass><cusip>81948W104</cusip><value>14985</value><shrsOrPrnAmt><sshPrnamt>10553</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>10553</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>824348106</cusip><value>789675</value><shrsOrPrnAmt><sshPrnamt>2069</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>2069</Sole><Shared>0</Shared><None>2069</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>824348106</cusip><value>803043</value><shrsOrPrnAmt><sshPrnamt>2104</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>2104</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SHOPIFY INC</nameOfIssuer><titleOfClass>CL 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INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>83406F102</cusip><value>1892177</value><shrsOrPrnAmt><sshPrnamt>240735</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>240735</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHERN CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>842587107</cusip><value>569306</value><shrsOrPrnAmt><sshPrnamt>6313</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>6313</Sole><Shared>0</Shared><None>6313</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHERN 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INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>854502101</cusip><value>219270</value><shrsOrPrnAmt><sshPrnamt>1991</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>1991</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STARBUCKS CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>855244109</cusip><value>297637</value><shrsOrPrnAmt><sshPrnamt>3053</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>3053</Sole><Shared>0</Shared><None>3053</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STARBUCKS CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>855244109</cusip><value>1693884</value><shrsOrPrnAmt><sshPrnamt>17375</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>17375</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STATE STR CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>857477103</cusip><value>512209</value><shrsOrPrnAmt><sshPrnamt>5790</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>5790</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STEEL DYNAMICS 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