<SEC-DOCUMENT>0000759944-25-000146.txt : 20251024
<SEC-HEADER>0000759944-25-000146.hdr.sgml : 20251024
<ACCEPTANCE-DATETIME>20251024160114
ACCESSION NUMBER:		0000759944-25-000146
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250930
FILED AS OF DATE:		20251024
DATE AS OF CHANGE:		20251024
EFFECTIVENESS DATE:		20251024

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
		EIN:				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:		251416118

	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>
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<TYPE>13F-HR
<SEQUENCE>1
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        <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>
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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>10-24-2025</signatureDate>
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A</titleOfClass><cusip>770700102</cusip><value>12560466</value><shrsOrPrnAmt><sshPrnamt>87725</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>87725</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ROBLOX CORP</nameOfIssuer><titleOfClass>CL A</titleOfClass><cusip>771049103</cusip><value>11937629</value><shrsOrPrnAmt><sshPrnamt>86180</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>86180</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>773903109</cusip><value>321034</value><shrsOrPrnAmt><sshPrnamt>918</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>918</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ROLLINS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>775711104</cusip><value>224403</value><shrsOrPrnAmt><sshPrnamt>3820</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>3820</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>776696106</cusip><value>800692</value><shrsOrPrnAmt><sshPrnamt>1606</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>1606</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ROSS STORES INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>778296103</cusip><value>593547</value><shrsOrPrnAmt><sshPrnamt>3895</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>3895</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ROYAL BK CDA MONTREAL QUE</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>780087102</cusip><value>599048</value><shrsOrPrnAmt><sshPrnamt>4066</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>4066</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ROYAL CARIBBEAN CRUISES LTD</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>V7780T103</cusip><value>785458</value><shrsOrPrnAmt><sshPrnamt>2427</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>2427</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RPM INTL INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>749685103</cusip><value>298708</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>RPM INTL INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>749685103</cusip><value>360365</value><shrsOrPrnAmt><sshPrnamt>3057</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>3057</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RXO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>74982T103</cusip><value>255754</value><shrsOrPrnAmt><sshPrnamt>16629</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>16629</None></votingAuthority></infoTable><infoTable><nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>78409V104</cusip><value>4522057</value><shrsOrPrnAmt><sshPrnamt>9291</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>9291</Sole><Shared>0</Shared><None>9291</None></votingAuthority></infoTable><infoTable><nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>78409V104</cusip><value>8073087</value><shrsOrPrnAmt><sshPrnamt>16587</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>16587</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SALESFORCE COM INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>79466L302</cusip><value>528984</value><shrsOrPrnAmt><sshPrnamt>2232</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>2232</Sole><Shared>0</Shared><None>2232</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SALESFORCE COM INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>79466L302</cusip><value>13163595</value><shrsOrPrnAmt><sshPrnamt>55543</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>55543</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SAMSARA INC</nameOfIssuer><titleOfClass>COM CL A</titleOfClass><cusip>79589L106</cusip><value>581398</value><shrsOrPrnAmt><sshPrnamt>15608</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>15608</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer><titleOfClass>CL A</titleOfClass><cusip>78410G104</cusip><value>3336371</value><shrsOrPrnAmt><sshPrnamt>17256</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>17256</Sole><Shared>0</Shared><None>17256</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHEIN HENRY INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>806407102</cusip><value>312271</value><shrsOrPrnAmt><sshPrnamt>4705</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>4705</Sole><Shared>0</Shared><None>4705</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>806857108</cusip><value>205979</value><shrsOrPrnAmt><sshPrnamt>5993</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>5993</Sole><Shared>0</Shared><None>5993</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>806857108</cusip><value>615817</value><shrsOrPrnAmt><sshPrnamt>17917</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>17917</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB CHARLES CORP NEW</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>808513105</cusip><value>6270209</value><shrsOrPrnAmt><sshPrnamt>65677</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>65677</Sole><Shared>0</Shared><None>65677</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB CHARLES CORP NEW</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>808513105</cusip><value>4319897</value><shrsOrPrnAmt><sshPrnamt>45249</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>45249</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US LRG CAP ETF</titleOfClass><cusip>808524201</cusip><value>823516</value><shrsOrPrnAmt><sshPrnamt>31265</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>31265</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US BRD MKT ETF</titleOfClass><cusip>808524102</cusip><value>223015</value><shrsOrPrnAmt><sshPrnamt>8674</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>8674</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US SML CAP ETF</titleOfClass><cusip>808524607</cusip><value>2804345</value><shrsOrPrnAmt><sshPrnamt>100514</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>100514</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US MID-CAP ETF</titleOfClass><cusip>808524508</cusip><value>3822127</value><shrsOrPrnAmt><sshPrnamt>128952</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>128952</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US LCAP GR ETF</titleOfClass><cusip>808524300</cusip><value>656998</value><shrsOrPrnAmt><sshPrnamt>20589</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>20589</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer><titleOfClass>ORD SHS</titleOfClass><cusip>G7997R103</cusip><value>631240</value><shrsOrPrnAmt><sshPrnamt>2674</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>2674</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>TECHNOLOGY</titleOfClass><cusip>81369Y803</cusip><value>1898327</value><shrsOrPrnAmt><sshPrnamt>6735</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>6735</Sole><Shared>0</Shared><None>6735</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-ENERGY</titleOfClass><cusip>81369Y506</cusip><value>205482</value><shrsOrPrnAmt><sshPrnamt>2300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>2300</Sole><Shared>0</Shared><None>2300</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>RL EST SEL SEC</titleOfClass><cusip>81369Y860</cusip><value>210060</value><shrsOrPrnAmt><sshPrnamt>4986</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>4986</Sole><Shared>0</Shared><None>4986</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI MATERIALS</titleOfClass><cusip>81369Y100</cusip><value>651717</value><shrsOrPrnAmt><sshPrnamt>7272</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>7272</Sole><Shared>0</Shared><None>7272</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>RL EST SEL SEC</titleOfClass><cusip>81369Y860</cusip><value>6143423</value><shrsOrPrnAmt><sshPrnamt>145821</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>145821</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-FINL</titleOfClass><cusip>81369Y605</cusip><value>22047036</value><shrsOrPrnAmt><sshPrnamt>409264</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>409264</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>COMMUNICATION</titleOfClass><cusip>81369Y852</cusip><value>866813</value><shrsOrPrnAmt><sshPrnamt>7323</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>7323</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-INDS</titleOfClass><cusip>81369Y704</cusip><value>1279665</value><shrsOrPrnAmt><sshPrnamt>8297</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>8297</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-ENERGY</titleOfClass><cusip>81369Y506</cusip><value>1544131</value><shrsOrPrnAmt><sshPrnamt>17284</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>17284</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI CONS DISCR</titleOfClass><cusip>81369Y407</cusip><value>1730706</value><shrsOrPrnAmt><sshPrnamt>7222</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>7222</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI MATERIALS</titleOfClass><cusip>81369Y100</cusip><value>374769</value><shrsOrPrnAmt><sshPrnamt>4182</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>4182</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI CONS STPLS</titleOfClass><cusip>81369Y308</cusip><value>2501976</value><shrsOrPrnAmt><sshPrnamt>31925</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>31925</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI HEALTHCARE</titleOfClass><cusip>81369Y209</cusip><value>2036764</value><shrsOrPrnAmt><sshPrnamt>14635</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>14635</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-UTILS</titleOfClass><cusip>81369Y886</cusip><value>1778512</value><shrsOrPrnAmt><sshPrnamt>20393</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>20393</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>TECHNOLOGY</titleOfClass><cusip>81369Y803</cusip><value>39703796</value><shrsOrPrnAmt><sshPrnamt>140864</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>140864</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SEMLER SCIENTIFIC INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>81684M104</cusip><value>390000</value><shrsOrPrnAmt><sshPrnamt>13000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>13000</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SEMPRA ENERGY</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>816851109</cusip><value>2969418</value><shrsOrPrnAmt><sshPrnamt>33001</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>33001</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SERVICENOW INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>81762P102</cusip><value>4526696</value><shrsOrPrnAmt><sshPrnamt>4919</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>4919</Sole><Shared>0</Shared><None>4919</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SERVICENOW 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