<SEC-DOCUMENT>0001193125-25-271222.txt : 20251107
<SEC-HEADER>0001193125-25-271222.hdr.sgml : 20251107
<ACCEPTANCE-DATETIME>20251107092027
ACCESSION NUMBER:		0001193125-25-271222
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250930
FILED AS OF DATE:		20251107
DATE AS OF CHANGE:		20251107
EFFECTIVENESS DATE:		20251107

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIFTH THIRD BANCORP
		CENTRAL INDEX KEY:			0000035527
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		EIN:				310854434
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-03158
		FILM NUMBER:		251460807

	BUSINESS ADDRESS:	
		STREET 1:		38 FOUNTAIN SQ PLZ
		STREET 2:		FIFTH THIRD CENTER
		CITY:			CINCINNATI
		STATE:			OH
		ZIP:			45263
		BUSINESS PHONE:		5135795300

	MAIL ADDRESS:	
		STREET 1:		38 FOUNTAIN SQ PLZ
		STREET 2:		FIFTH THIRD CENTER
		CITY:			CINCINNATI
		STATE:			OH
		ZIP:			45263
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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        <credentials>
          <cik>0000035527</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>09-30-2025</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>09-30-2025</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>FIFTH THIRD BANCORP</name>
        <address>
          <ns1:street1>38 FOUNTAIN SQ PLZ</ns1:street1>
          <ns1:street2>FIFTH THIRD CENTER</ns1:street2>
          <ns1:city>CINCINNATI</ns1:city>
          <ns1:stateOrCountry>OH</ns1:stateOrCountry>
          <ns1:zipCode>45263</ns1:zipCode>
        </address>
      </filingManager>
      <reportType>13F COMBINATION REPORT</reportType>
      <form13FFileNumber>028-03158</form13FFileNumber>
      <otherManagersInfo>
        <otherManager>
          <form13FFileNumber>028-05428</form13FFileNumber>
          <crdNumber>000106275</crdNumber>
          <secFileNumber>801-39635</secFileNumber>
          <name>Franklin Street Advisors</name>
        </otherManager>
        <otherManager>
          <form13FFileNumber>028-23191</form13FFileNumber>
          <crdNumber>000313015</crdNumber>
          <secFileNumber>801-122096</secFileNumber>
          <name>Fifth Third Wealth Advisors</name>
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      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Rebecca Arnold</name>
      <title>Compliance Director, Wealth &amp; Asset Management</title>
      <phone>419-259-7116</phone>
      <signature>/s/ Rebecca Arnold</signature>
      <city>Cincinnati</city>
      <stateOrCountry>OH</stateOrCountry>
      <signatureDate>11-06-2025</signatureDate>
    </signatureBlock>
    <summaryPage>
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      <tableEntryTotal>2662</tableEntryTotal>
      <tableValueTotal>31277059769</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>46888.xml
<DESCRIPTION>INFORMATION TABLE FOR FORM 13F
<TEXT>
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    <nameOfIssuer>AMER SPORTS INC               </nameOfIssuer>
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    <nameOfIssuer>AMDOCS LTD                    </nameOfIssuer>
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    <value>22606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>89</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRESH DEL MONTE PRODUCE INC   </nameOfIssuer>
    <titleOfClass>ORD             </titleOfClass>
    <cusip>G36738105</cusip>
    <value>9652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>272</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTAI AVIATION LTD             </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G3730V105</cusip>
    <value>21024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC           </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>G39108108</cusip>
    <value>29486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1175</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENPACT LIMITED               </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G3922B107</cusip>
    <value>133839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAB HOLDINGS LIMITED         </nameOfIssuer>
    <titleOfClass>CLASS A ORD     </titleOfClass>
    <cusip>G4124C109</cusip>
    <value>8362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1389</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAMES HARDIE INDS PLC         </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>G4253H101</cusip>
    <value>9682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>504</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HELEN OF TROY LTD             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>G4388N106</cusip>
    <value>6275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>249</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JANUS HENDERSON GROUP PLC     </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>G4474Y214</cusip>
    <value>79584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1778</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IBEX LTD                      </nameOfIssuer>
    <titleOfClass>SHS NEW         </titleOfClass>
    <cusip>G4690M101</cusip>
    <value>405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                      </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>17675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICHOR HOLDINGS                </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G4740B105</cusip>
    <value>2365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>123</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEATHERFORD INTL PLC          </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>G48833118</cusip>
    <value>39484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>567</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD                   </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G491BT108</cusip>
    <value>524638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>22608</Sole>
      <Shared>0</Shared>
      <None>262</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAMES RIV GROUP LTD           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>G5005R107</cusip>
    <value>1110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC      </nameOfIssuer>
    <titleOfClass>SHS USD         </titleOfClass>
    <cusip>G50871105</cusip>
    <value>316584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2369</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC         </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G51502105</cusip>
    <value>6979076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>62324</Sole>
      <Shared>0</Shared>
      <None>1151</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                     </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G54950103</cusip>
    <value>133492100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>281036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>239267</Sole>
      <Shared>0</Shared>
      <None>41769</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIVANOVA PLC                  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G5509L101</cusip>
    <value>25352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>478</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUXFER HLDGS PLC              </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G5698W116</cusip>
    <value>320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                 </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>19079239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>194690</Sole>
      <Shared>0</Shared>
      <None>5638</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHA &amp; OMEGA SEMICONDUCTOR   </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G6331P104</cusip>
    <value>7158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>256</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIQ GLOBAL INTELLIGENCE PLC   </nameOfIssuer>
    <titleOfClass>ORDINARY SHARES </titleOfClass>
    <cusip>G63755105</cusip>
    <value>926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>59</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOBY AVIATION INC             </nameOfIssuer>
    <titleOfClass>COMMON STOCK    </titleOfClass>
    <cusip>G65163100</cusip>
    <value>10491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOBLE CORP PLC                </nameOfIssuer>
    <titleOfClass>ORD SHS A       </titleOfClass>
    <cusip>G65431127</cusip>
    <value>6646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G66721104</cusip>
    <value>960102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>38608</Sole>
      <Shared>0</Shared>
      <None>373</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVOCURE LTD                  </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>G6674U108</cusip>
    <value>32300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NU HLDGS LTD                  </nameOfIssuer>
    <titleOfClass>ORD SHS CL A    </titleOfClass>
    <cusip>G6683N103</cusip>
    <value>5972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>373</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC            </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>289903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2939</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2105</Sole>
      <Shared>0</Shared>
      <None>834</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENTAIR PLC                   </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>380571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3373</Sole>
      <Shared>0</Shared>
      <None>63</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>1603568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6266</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD          </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G76279101</cusip>
    <value>56314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3703</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC            </nameOfIssuer>
    <titleOfClass>SHS CLASS A     </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>88165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2499</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL  </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>7218715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>30237</Sole>
      <Shared>0</Shared>
      <None>343</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G8060N102</cusip>
    <value>995899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>32276</Sole>
      <Shared>0</Shared>
      <None>323</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHARKNINJA INC                </nameOfIssuer>
    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>G8068L108</cusip>
    <value>16504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIGNET JEWELERS LIMITED       </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G81276100</cusip>
    <value>33284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>341</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIRIUSPOINT LTD               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>G8192H106</cusip>
    <value>9931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>549</Sole>
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      <None>0</None>
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    <nameOfIssuer>SMURFIT WESTROCK PLC          </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G8267P108</cusip>
    <value>395944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9301</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>9227</Sole>
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      <None>74</None>
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  <infoTable>
    <nameOfIssuer>STERIS PLC                    </nameOfIssuer>
    <titleOfClass>SHS USD         </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>730690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2953</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2879</Sole>
      <Shared>0</Shared>
      <None>74</None>
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    <nameOfIssuer>TE CONNECTIVITY PLC           </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>G87052109</cusip>
    <value>9592144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43694</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>42959</Sole>
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      <None>735</None>
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    <nameOfIssuer>TECHNIPFMC PLC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>G87110105</cusip>
    <value>340809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8639</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>8613</Sole>
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      <None>26</None>
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    <nameOfIssuer>TECNOGLASS INC                </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>G87264100</cusip>
    <value>1137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>17</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC        </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>4267703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10114</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>8874</Sole>
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      <None>1240</None>
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    <nameOfIssuer>TRINSEO PLC                   </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G9059U107</cusip>
    <value>165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>70</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GOLAR LNG LTD                 </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G9456A100</cusip>
    <value>52533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
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      <None>0</None>
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    <nameOfIssuer>VALARIS LTD                   </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>42332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>862</Sole>
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      <None>6</None>
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  <infoTable>
    <nameOfIssuer>WHITE MTNS INS GROUP LTD      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>G9618E107</cusip>
    <value>28416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
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      <None>2</None>
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  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G96629103</cusip>
    <value>1609452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4504</Sole>
      <Shared>0</Shared>
      <None>155</None>
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  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G97822103</cusip>
    <value>34964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>70</None>
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  <infoTable>
    <nameOfIssuer>WNS HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>G98196101</cusip>
    <value>5568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>73</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>XP INC                        </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>G98239109</cusip>
    <value>432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALCON AG                      </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>H01301128</cusip>
    <value>1602338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21086</Sole>
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      <None>419</None>
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  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA               </nameOfIssuer>
    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>H11356104</cusip>
    <value>403894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4502</Sole>
      <Shared>0</Shared>
      <None>469</None>
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  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>48111206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>155035</Sole>
      <Shared>0</Shared>
      <None>15421</None>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                    </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>1640564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6605</Sole>
      <Shared>0</Shared>
      <None>58</None>
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  <infoTable>
    <nameOfIssuer>AMRIZE LTD                    </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>H2927K103</cusip>
    <value>3397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UBS GROUP AG                  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>H42097107</cusip>
    <value>98523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2403</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LITHIUM ARGENTINA AG          </nameOfIssuer>
    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>H5012F103</cusip>
    <value>13360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4000</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LOGITECH INTL S A             </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>H50430232</cusip>
    <value>82370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>751</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPORTRADAR GROUP AG           </nameOfIssuer>
    <titleOfClass>CLASS A ORD SHS </titleOfClass>
    <cusip>H8088L103</cusip>
    <value>356748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13055</Sole>
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      <None>207</None>
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    <nameOfIssuer>GLOBANT S A                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>L44385109</cusip>
    <value>24272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>423</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A        </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>L8681T102</cusip>
    <value>4094468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5866</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5700</Sole>
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      <None>166</None>
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  <infoTable>
    <nameOfIssuer>CELLEBRITE DI LTD             </nameOfIssuer>
    <titleOfClass>ORDINARY SHARES </titleOfClass>
    <cusip>M2197Q107</cusip>
    <value>250285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13305</Sole>
      <Shared>0</Shared>
      <None>202</None>
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  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT  </nameOfIssuer>
    <titleOfClass>ORD             </titleOfClass>
    <cusip>M22465104</cusip>
    <value>91868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>444</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CYBERARK SOFTWARE LTD         </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>M2682V108</cusip>
    <value>540162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1118</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ELBIT SYS LTD                 </nameOfIssuer>
    <titleOfClass>ORD             </titleOfClass>
    <cusip>M3760D101</cusip>
    <value>13765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL E ONLINE LTD           </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>M5216V106</cusip>
    <value>1430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ICL GROUP LTD                 </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>M53213100</cusip>
    <value>5107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>821</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KORNIT DIGITAL LTD            </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>M6372Q113</cusip>
    <value>16551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1226</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MONDAY COM LTD                </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>M7S64H106</cusip>
    <value>15495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOWER SEMICONDUCTOR LTD       </nameOfIssuer>
    <titleOfClass>SHS NEW         </titleOfClass>
    <cusip>M87915274</cusip>
    <value>579412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7896</Sole>
      <Shared>0</Shared>
      <None>118</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WIX COM LTD                   </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>M98068105</cusip>
    <value>4263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV            </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>N00985106</cusip>
    <value>858132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7092</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V              </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS</titleOfClass>
    <cusip>N07059210</cusip>
    <value>10914247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5576</Sole>
      <Shared>0</Shared>
      <None>5698</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNH INDL N V                  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>N20944109</cusip>
    <value>50919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4693</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>45125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>73</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N   </nameOfIssuer>
    <titleOfClass>SHS - A -       </titleOfClass>
    <cusip>N53745100</cusip>
    <value>1238309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24558</Sole>
      <Shared>0</Shared>
      <None>693</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>N6596X109</cusip>
    <value>4637721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20056</Sole>
      <Shared>0</Shared>
      <None>309</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROQR THRAPEUTICS N V         </nameOfIssuer>
    <titleOfClass>SHS EURO        </titleOfClass>
    <cusip>N71542109</cusip>
    <value>63900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>30000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                     </nameOfIssuer>
    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>N72482206</cusip>
    <value>2552524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>56661</Sole>
      <Shared>0</Shared>
      <None>468</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STELLANTIS N.V                </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>N82405106</cusip>
    <value>12600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1349</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALLBOX NV                    </nameOfIssuer>
    <titleOfClass>CLASS A ORD SHS </titleOfClass>
    <cusip>N94209124</cusip>
    <value>156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEBIUS GROUP N.V.             </nameOfIssuer>
    <titleOfClass>SHS CLASS A     </titleOfClass>
    <cusip>N97284108</cusip>
    <value>493763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4303</Sole>
      <Shared>0</Shared>
      <None>95</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPA HOLDINGS SA              </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>P31076105</cusip>
    <value>50974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>429</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONESPAWORLD HOLDINGS LIMITED  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>P73684113</cusip>
    <value>2389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>94</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEVANATO GROUP S P A         </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>T9224W109</cusip>
    <value>99781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MAKEMYTRIP LIMITED MAURITIUS  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>V5633W109</cusip>
    <value>187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>V7780T103</cusip>
    <value>6587118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20040</Sole>
      <Shared>0</Shared>
      <None>317</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTAMARE INC                 </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>Y1771G102</cusip>
    <value>393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTAMARE BULKERS HLDGS LTD   </nameOfIssuer>
    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>Y2001C101</cusip>
    <value>172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DHT HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>SHS NEW         </titleOfClass>
    <cusip>Y2065G121</cusip>
    <value>49700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4159</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DORIAN LPG LTD                </nameOfIssuer>
    <titleOfClass>SHS USD         </titleOfClass>
    <cusip>Y2106R110</cusip>
    <value>8731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>284</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEX LTD                      </nameOfIssuer>
    <titleOfClass>ORD             </titleOfClass>
    <cusip>Y2573F102</cusip>
    <value>227822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3894</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENCO SHIPPING &amp; TRADING LTD  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>Y2685T131</cusip>
    <value>1157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL SEAWAYS INC     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>Y41053102</cusip>
    <value>20321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>433</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AAON INC                      </nameOfIssuer>
    <titleOfClass>COM PAR $0.004  </titleOfClass>
    <cusip>000360206</cusip>
    <value>428609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4495</Sole>
      <Shared>0</Shared>
      <None>92</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AAR CORP                      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>000361105</cusip>
    <value>23494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>262</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ACCO BRANDS CORP              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>00081T108</cusip>
    <value>211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADMA BIOLOGICS INC            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>000899104</cusip>
    <value>15774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1058</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ACV AUCTIONS INC              </nameOfIssuer>
    <titleOfClass>COM CL A        </titleOfClass>
    <cusip>00091G104</cusip>
    <value>19443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1962</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABM INDS INC                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>000957100</cusip>
    <value>23014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>499</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC INC                     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>001055102</cusip>
    <value>6998452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>59957</Sole>
      <Shared>0</Shared>
      <None>2697</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AGCO CORP                     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>001084102</cusip>
    <value>95292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>882</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AES CORP                      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>00130H105</cusip>
    <value>932281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>69797</Sole>
      <Shared>0</Shared>
      <None>1045</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALPS ETF TR                   </nameOfIssuer>
    <titleOfClass>OSHARES US QUALT</titleOfClass>
    <cusip>00162Q387</cusip>
    <value>7916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPS ETF TR                   </nameOfIssuer>
    <titleOfClass>ALERIAN MLP     </titleOfClass>
    <cusip>00162Q452</cusip>
    <value>141776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3021</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPS ETF TR                   </nameOfIssuer>
    <titleOfClass>ALERIAN ENERGY  </titleOfClass>
    <cusip>00162Q676</cusip>
    <value>64820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMC ENTMT HLDGS INC           </nameOfIssuer>
    <titleOfClass>CL A NEW        </titleOfClass>
    <cusip>00165C302</cusip>
    <value>618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>213</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMN HEALTHCARE SVCS INC       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>001744101</cusip>
    <value>3311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>158</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANI PHARMACEUTICALS INC       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>00182C103</cusip>
    <value>5221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>54</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANGI INC                      </nameOfIssuer>
    <titleOfClass>CL A NEW        </titleOfClass>
    <cusip>00183L201</cusip>
    <value>9431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>API GROUP CORP                </nameOfIssuer>
    <titleOfClass>COM STK         </titleOfClass>
    <cusip>00187Y100</cusip>
    <value>543252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>A10 NETWORKS INC              </nameOfIssuer>
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    <nameOfIssuer>ARK ETF TR                    </nameOfIssuer>
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    <value>85437</value>
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    <nameOfIssuer>ARK ETF TR                    </nameOfIssuer>
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    <nameOfIssuer>ABERCROMBIE &amp; FITCH CO        </nameOfIssuer>
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    <nameOfIssuer>ABRDN JAPAN EQUITY FUND INC   </nameOfIssuer>
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    <nameOfIssuer>ACADEMY SPORTS &amp; OUTDOORS IN  </nameOfIssuer>
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    <cusip>00402L107</cusip>
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    <value>2248</value>
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    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW   </nameOfIssuer>
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    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN  </nameOfIssuer>
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    <nameOfIssuer>ALLEGRO MICROSYSTEMS INC      </nameOfIssuer>
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    <nameOfIssuer>ALLETE INC                    </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
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    <nameOfIssuer>BREAD FINANCIAL HOLDINGS INC  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>018581108</cusip>
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    <nameOfIssuer>ALLIANT ENERGY CORP           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>018802108</cusip>
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    <nameOfIssuer>ALLISON TRANSMISSION HLDGS I  </nameOfIssuer>
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    <cusip>01973R101</cusip>
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    <nameOfIssuer>ALLSPRING EXCHANGE TRADED FU  </nameOfIssuer>
    <titleOfClass>SMID CORE ETF   </titleOfClass>
    <cusip>01989A704</cusip>
    <value>739</value>
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    <nameOfIssuer>ALLY FINL INC                 </nameOfIssuer>
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    <nameOfIssuer>ALNYLAM PHARMACEUTICALS INC   </nameOfIssuer>
    <titleOfClass>NOTE  1.000% 9/1</titleOfClass>
    <cusip>02043QAB3</cusip>
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  <infoTable>
    <nameOfIssuer>ALNYLAM PHARMACEUTICALS INC   </nameOfIssuer>
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    <cusip>02072L722</cusip>
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    <nameOfIssuer>ALPHA METALLURGICAL RESOUR I  </nameOfIssuer>
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    <cusip>020764106</cusip>
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    <titleOfClass>SPON ADS RP CL B</titleOfClass>
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    <cusip>024061103</cusip>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>02553E106</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>248561</Sole>
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      <None>52308</None>
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  <infoTable>
    <nameOfIssuer>AUTONATION INC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>05329W102</cusip>
    <value>92540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>421</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AUTOZONE INC                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>053332102</cusip>
    <value>7293408</value>
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      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1675</Sole>
      <Shared>0</Shared>
      <None>25</None>
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  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>053484101</cusip>
    <value>1678261</value>
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      <sshPrnamt>8688</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7570</Sole>
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      <None>1118</None>
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  <infoTable>
    <nameOfIssuer>AVANOS MED INC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>05350V106</cusip>
    <value>2589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>199</Sole>
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      <None>25</None>
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    <nameOfIssuer>AVANTOR INC                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>05352A100</cusip>
    <value>841714</value>
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      <sshPrnamt>67445</sshPrnamt>
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      <Sole>66799</Sole>
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      <None>646</None>
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  <infoTable>
    <nameOfIssuer>AVEPOINT INC                  </nameOfIssuer>
    <titleOfClass>COM CL A        </titleOfClass>
    <cusip>053604104</cusip>
    <value>1666</value>
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      <sshPrnamt>111</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>85</Sole>
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      <None>26</None>
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    <nameOfIssuer>AVERY DENNISON CORP           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>053611109</cusip>
    <value>717927</value>
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      <sshPrnamt>4427</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2497</Sole>
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      <None>1930</None>
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    <nameOfIssuer>AVIENT CORPORATION            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>05368V106</cusip>
    <value>44878</value>
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      <sshPrnamt>1362</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1354</Sole>
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      <None>8</None>
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    <nameOfIssuer>AVIS BUDGET GROUP             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>053774105</cusip>
    <value>37414</value>
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      <sshPrnamt>233</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>231</Sole>
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      <None>2</None>
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    <nameOfIssuer>AVISTA CORP                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>05379B107</cusip>
    <value>24274</value>
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      <sshPrnamt>642</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>642</Sole>
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      <None>0</None>
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    <nameOfIssuer>AVNET INC                     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>053807103</cusip>
    <value>46791</value>
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      <sshPrnamt>895</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>889</Sole>
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      <None>6</None>
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    <nameOfIssuer>AXCELIS TECHNOLOGIES INC      </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>054540208</cusip>
    <value>35443</value>
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      <Sole>363</Sole>
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      <None>0</None>
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    <nameOfIssuer>AXOGEN INC                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>05463X106</cusip>
    <value>89200</value>
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      <None>0</None>
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    <nameOfIssuer>AXON ENTERPRISE INC           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>05464C101</cusip>
    <value>2356730</value>
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      <sshPrnamt>3284</sshPrnamt>
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      <Sole>3249</Sole>
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      <None>35</None>
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    <nameOfIssuer>AXSOME THERAPEUTICS INC       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>05464T104</cusip>
    <value>25747</value>
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      <Sole>212</Sole>
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      <None>0</None>
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    <nameOfIssuer>AXOS FINANCIAL INC            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>05465C100</cusip>
    <value>34960</value>
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      <sshPrnamt>413</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>400</Sole>
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      <None>13</None>
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    <nameOfIssuer>B &amp; G FOODS INC NEW           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>05508R106</cusip>
    <value>64328</value>
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      <Sole>14521</Sole>
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    <nameOfIssuer>BCE INC                       </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>05534B760</cusip>
    <value>52557</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>597</Sole>
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    <nameOfIssuer>BJS WHSL CLUB HLDGS INC       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>05550J101</cusip>
    <value>138010</value>
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    <nameOfIssuer>BOK FINL CORP                 </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>05561Q201</cusip>
    <value>1337</value>
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    <nameOfIssuer>BP PLC                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADR   </titleOfClass>
    <cusip>055622104</cusip>
    <value>522896</value>
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    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>05581M404</cusip>
    <value>24</value>
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    <nameOfIssuer>THE BALDWIN INSURANCE GRP IN  </nameOfIssuer>
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    <cusip>05589G102</cusip>
    <value>987</value>
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    <titleOfClass>COM CL A        </titleOfClass>
    <cusip>05601U105</cusip>
    <value>10920</value>
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      <Sole>7000</Sole>
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    <nameOfIssuer>BWX TECHNOLOGIES INC          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>05605H100</cusip>
    <value>152105</value>
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      <Sole>814</Sole>
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    <nameOfIssuer>BNY MELLON ETF TRUST II       </nameOfIssuer>
    <titleOfClass>CONCENTRATED GRW</titleOfClass>
    <cusip>05613H209</cusip>
    <value>35346</value>
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      <None>0</None>
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    <nameOfIssuer>BADGER METER INC              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>056525108</cusip>
    <value>24644</value>
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    <nameOfIssuer>BAKER HUGHES COMPANY          </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>05722G100</cusip>
    <value>1911870</value>
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    <nameOfIssuer>BALCHEM CORP                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>057665200</cusip>
    <value>315576</value>
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    <nameOfIssuer>BALL CORP                     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>058498106</cusip>
    <value>471679</value>
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    <nameOfIssuer>BANCFIRST CORP                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>05945F103</cusip>
    <value>5184</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA  </nameOfIssuer>
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    <cusip>05946K101</cusip>
    <value>2246745</value>
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    <nameOfIssuer>BANCO SANTANDER S.A.          </nameOfIssuer>
    <titleOfClass>ADR             </titleOfClass>
    <cusip>05964H105</cusip>
    <value>1319652</value>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>05969A105</cusip>
    <value>17974</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>236</Sole>
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      <None>4</None>
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  <infoTable>
    <nameOfIssuer>BANC OF CALIFORNIA INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>05990K106</cusip>
    <value>17411</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>17</None>
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  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>060505104</cusip>
    <value>258661117</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4891173</Sole>
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      <None>122611</None>
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  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP             </nameOfIssuer>
    <titleOfClass>7.25%CNV PFD L  </titleOfClass>
    <cusip>060505682</cusip>
    <value>343040</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>64</Sole>
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      <None>204</None>
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  <infoTable>
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    <nameOfIssuer>BITMINE IMMERSION TECNOLOGIE  </nameOfIssuer>
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    <nameOfIssuer>BJS RESTAURANTS INC           </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>BLACK HILLS CORP              </nameOfIssuer>
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    <nameOfIssuer>BLACKBAUD INC                 </nameOfIssuer>
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  <infoTable>
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    <nameOfIssuer>CENTRAIS ELETRICAS BRASILEIR  </nameOfIssuer>
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    <nameOfIssuer>CHARLES RIV LABS INTL INC     </nameOfIssuer>
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    <nameOfIssuer>DARDEN RESTAURANTS INC        </nameOfIssuer>
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    <cusip>237194105</cusip>
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    <nameOfIssuer>DECKERS OUTDOOR CORP          </nameOfIssuer>
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    <cusip>243537107</cusip>
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      <Sole>4810</Sole>
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      <None>243</None>
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    <nameOfIssuer>DEERE &amp; CO                    </nameOfIssuer>
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    <cusip>244199105</cusip>
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      <Sole>203958</Sole>
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      <None>26160</None>
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    <nameOfIssuer>DEFINITIVE HEALTHCARE CORP    </nameOfIssuer>
    <titleOfClass>CLASS A COM     </titleOfClass>
    <cusip>24477E103</cusip>
    <value>374</value>
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      <sshPrnamt>92</sshPrnamt>
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      <Sole>47</Sole>
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    <nameOfIssuer>DELEK LOGISTICS PARTNERS LP   </nameOfIssuer>
    <titleOfClass>COM UNT RP INT  </titleOfClass>
    <cusip>24664T103</cusip>
    <value>111573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>2450</None>
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    <nameOfIssuer>DELEK US HLDGS INC NEW        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>24665A103</cusip>
    <value>218629</value>
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      <sshPrnamt>6775</sshPrnamt>
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    <nameOfIssuer>DELL TECHNOLOGIES INC         </nameOfIssuer>
    <titleOfClass>CL C            </titleOfClass>
    <cusip>24703L202</cusip>
    <value>2227348</value>
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      <sshPrnamt>15711</sshPrnamt>
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      <Sole>14680</Sole>
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      <None>1031</None>
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    <nameOfIssuer>DELTA AIR LINES INC DEL       </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>247361702</cusip>
    <value>4056887</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>68926</Sole>
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      <None>2561</None>
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    <nameOfIssuer>DELUXE CORP                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>248019101</cusip>
    <value>517803</value>
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      <sshPrnamt>26746</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>26733</Sole>
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      <None>13</None>
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    <nameOfIssuer>DENTSPLY SIRONA INC           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>24906P109</cusip>
    <value>383504</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>29955</Sole>
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      <None>266</None>
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  <infoTable>
    <nameOfIssuer>DESCARTES SYS GROUP INC       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>249906108</cusip>
    <value>458335</value>
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      <sshPrnamt>4864</sshPrnamt>
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      <Sole>4816</Sole>
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      <None>48</None>
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    <nameOfIssuer>DEVON ENERGY CORP NEW         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>25179M103</cusip>
    <value>1136996</value>
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      <Sole>31671</Sole>
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      <None>759</None>
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  <infoTable>
    <nameOfIssuer>DEXCOM INC                    </nameOfIssuer>
    <titleOfClass>NOTE  0.375% 5/1</titleOfClass>
    <cusip>252131AM9</cusip>
    <value>1093800</value>
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    <nameOfIssuer>DEXCOM INC                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>252131107</cusip>
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      <sshPrnamt>24922</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>24643</Sole>
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      <None>279</None>
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  <infoTable>
    <nameOfIssuer>DIAGEO PLC                    </nameOfIssuer>
    <titleOfClass>SPON ADR NEW    </titleOfClass>
    <cusip>25243Q205</cusip>
    <value>499767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5237</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>2996</Sole>
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      <None>2241</None>
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  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>25278X109</cusip>
    <value>1402666</value>
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      <sshPrnamt>9802</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>9594</Sole>
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      <None>208</None>
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  <infoTable>
    <nameOfIssuer>DIAMONDROCK HOSPITALITY CO    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>252784301</cusip>
    <value>10022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1259</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1220</Sole>
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      <None>39</None>
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  <infoTable>
    <nameOfIssuer>DICKS SPORTING GOODS INC      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>253393102</cusip>
    <value>187554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>827</Sole>
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      <None>17</None>
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  <infoTable>
    <nameOfIssuer>DIGI INTL INC                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>253798102</cusip>
    <value>69201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1891</Sole>
      <Shared>0</Shared>
      <None>7</None>
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  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>253868103</cusip>
    <value>7210998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>41203</Sole>
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      <None>508</None>
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  <infoTable>
    <nameOfIssuer>DIGITALBRIDGE GROUP INC       </nameOfIssuer>
    <titleOfClass>CL A NEW        </titleOfClass>
    <cusip>25401T603</cusip>
    <value>620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
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      <None>13</None>
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  <infoTable>
    <nameOfIssuer>DIGITALOCEAN HLDGS INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>25402D102</cusip>
    <value>18207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>526</Sole>
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      <None>7</None>
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  <infoTable>
    <nameOfIssuer>DIME CMNTY BANCSHARES INC     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>25432X102</cusip>
    <value>9904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>322</Sole>
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      <None>10</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>INTL CORE EQT MK</titleOfClass>
    <cusip>25434V203</cusip>
    <value>208794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1683</Sole>
      <Shared>0</Shared>
      <None>4061</None>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>EMGR CRE EQT MNG</titleOfClass>
    <cusip>25434V302</cusip>
    <value>26517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>841</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>US EQUITY MARKET</titleOfClass>
    <cusip>25434V401</cusip>
    <value>103951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1435</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>US SMALL CAP ETF</titleOfClass>
    <cusip>25434V500</cusip>
    <value>134866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1970</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>US TARGETED VLU </titleOfClass>
    <cusip>25434V609</cusip>
    <value>558350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9592</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>US CORE EQUITY 2</titleOfClass>
    <cusip>25434V708</cusip>
    <value>1854368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48078</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>US MKTWIDE VALUE</titleOfClass>
    <cusip>25434V724</cusip>
    <value>773941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17318</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>INTL SMALL CAP E</titleOfClass>
    <cusip>25434V773</cusip>
    <value>44598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>INTL SMALL CAP V</titleOfClass>
    <cusip>25434V781</cusip>
    <value>44862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>INTERNATNAL VAL </titleOfClass>
    <cusip>25434V807</cusip>
    <value>1157335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11171</Sole>
      <Shared>0</Shared>
      <None>13923</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>US SMALL CAP VAL</titleOfClass>
    <cusip>25434V815</cusip>
    <value>90680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2646</Sole>
      <Shared>0</Shared>
      <None>202</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>CORE FIXED INCOM</titleOfClass>
    <cusip>25434V872</cusip>
    <value>86675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2027</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>WORLD EX US CORE</titleOfClass>
    <cusip>25434V880</cusip>
    <value>33702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1074</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1074</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DINE BRANDS GLOBAL INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>254423106</cusip>
    <value>717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIODES INC                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>254543101</cusip>
    <value>26658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR           </nameOfIssuer>
    <titleOfClass>DLY MIDCAP ETF3X</titleOfClass>
    <cusip>25459W730</cusip>
    <value>12267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>242</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR           </nameOfIssuer>
    <titleOfClass>DLY SMCAP BULL3X</titleOfClass>
    <cusip>25459W847</cusip>
    <value>19363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR           </nameOfIssuer>
    <titleOfClass>DAILY TRANS 3X  </titleOfClass>
    <cusip>25460E679</cusip>
    <value>140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR           </nameOfIssuer>
    <titleOfClass>DAILY ROBOTICS  </titleOfClass>
    <cusip>25460G823</cusip>
    <value>4303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR           </nameOfIssuer>
    <titleOfClass>DAILY URANIUM 2X</titleOfClass>
    <cusip>25461A643</cusip>
    <value>6527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>156</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>254687106</cusip>
    <value>76101509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>664642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>631460</Sole>
      <Shared>0</Shared>
      <None>33182</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR           </nameOfIssuer>
    <titleOfClass>DAILY MSCI INDIA</titleOfClass>
    <cusip>25490K331</cusip>
    <value>6101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>113</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DR REDDYS LABS LTD            </nameOfIssuer>
    <titleOfClass>ADR             </titleOfClass>
    <cusip>256135203</cusip>
    <value>3215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>256163106</cusip>
    <value>98114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES INC        </nameOfIssuer>
    <titleOfClass>COM CL A        </titleOfClass>
    <cusip>25659T107</cusip>
    <value>40093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>554</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>256677105</cusip>
    <value>1256116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11776</Sole>
      <Shared>0</Shared>
      <None>378</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR TREE INC               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>256746108</cusip>
    <value>1128854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11742</Sole>
      <Shared>0</Shared>
      <None>220</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>25746U109</cusip>
    <value>5529156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>87409</Sole>
      <Shared>0</Shared>
      <None>2981</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA INC             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>25754A201</cusip>
    <value>545250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1246</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DONALDSON INC                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>257651109</cusip>
    <value>91590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1108</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DONNELLEY FINL SOLUTIONS INC  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>25787G100</cusip>
    <value>11212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>210</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOORDASH INC                  </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>25809K105</cusip>
    <value>5007880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18123</Sole>
      <Shared>0</Shared>
      <None>289</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DORMAN PRODS INC              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>258278100</cusip>
    <value>26188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>157</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOUBLEVERIFY HLDGS INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>25862V105</cusip>
    <value>50939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4234</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOUGLAS EMMETT INC            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>25960P109</cusip>
    <value>23230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1458</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOVER CORP                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>260003108</cusip>
    <value>5634683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>33438</Sole>
      <Shared>0</Shared>
      <None>337</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>260557103</cusip>
    <value>1201371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48870</Sole>
      <Shared>0</Shared>
      <None>3523</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DRAFTKINGS INC NEW            </nameOfIssuer>
    <titleOfClass>COM CL A        </titleOfClass>
    <cusip>26142V105</cusip>
    <value>20907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>559</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DREAM FINDERS HOMES INC       </nameOfIssuer>
    <titleOfClass>COM CL A        </titleOfClass>
    <cusip>26154D100</cusip>
    <value>24520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>946</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DROPBOX INC                   </nameOfIssuer>
    <titleOfClass>NOTE         3/0</titleOfClass>
    <cusip>26210CAC8</cusip>
    <value>1085095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DROPBOX INC                   </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>26210C104</cusip>
    <value>68546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2249</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW          </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>26441C204</cusip>
    <value>57685073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>466142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>392793</Sole>
      <Shared>0</Shared>
      <None>73349</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUOLINGO INC                  </nameOfIssuer>
    <titleOfClass>CL A COM        </titleOfClass>
    <cusip>26603R106</cusip>
    <value>94299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>292</Sole>
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      <sshPrnamt>2595</sshPrnamt>
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      <Sole>2541</Sole>
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      <None>54</None>
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  <infoTable>
    <nameOfIssuer>FB FINL CORP                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>30257X104</cusip>
    <value>17725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318</sshPrnamt>
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      <None>9</None>
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  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>302941109</cusip>
    <value>62235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>385</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>334</Sole>
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      <None>51</None>
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  <infoTable>
    <nameOfIssuer>META PLATFORMS INC            </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>30303M102</cusip>
    <value>571916785</value>
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      <sshPrnamt>778775</sshPrnamt>
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      <Sole>749417</Sole>
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      <None>29358</None>
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    <nameOfIssuer>FACTSET RESH SYS INC          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>303075105</cusip>
    <value>528001</value>
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      <sshPrnamt>1843</sshPrnamt>
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      <Sole>1624</Sole>
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      <None>219</None>
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    <nameOfIssuer>FAIR ISAAC CORP               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>303250104</cusip>
    <value>668949</value>
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      <sshPrnamt>447</sshPrnamt>
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      <Sole>440</Sole>
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    <nameOfIssuer>FARMLAND PARTNERS INC         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>31154R109</cusip>
    <value>81905</value>
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    <nameOfIssuer>FASTENAL CO                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>311900104</cusip>
    <value>4367944</value>
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      <sshPrnamt>89069</sshPrnamt>
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      <Sole>80336</Sole>
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      <None>8733</None>
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    <nameOfIssuer>FEDERAL AGRIC MTG CORP        </nameOfIssuer>
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    <cusip>313148306</cusip>
    <value>33596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
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      <Sole>200</Sole>
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      <None>0</None>
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    <nameOfIssuer>FEDERAL RLTY INVT TR NEW      </nameOfIssuer>
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    <value>269485</value>
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      <sshPrnamt>2660</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2595</Sole>
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    <nameOfIssuer>FEDERAL SIGNAL CORP           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>313855108</cusip>
    <value>111494</value>
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      <Sole>931</Sole>
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    <nameOfIssuer>FEDERATED HERMES INC          </nameOfIssuer>
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      <sshPrnamt>556</sshPrnamt>
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      <Sole>549</Sole>
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      <None>7</None>
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    <nameOfIssuer>FEDEX CORP                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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      <sshPrnamt>35287</sshPrnamt>
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    <nameOfIssuer>FENNEC PHARMACEUTICALS INC    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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      <sshPrnamt>158</sshPrnamt>
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    <cusip>31488V107</cusip>
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    <nameOfIssuer>FIDELITY COMWLTH TR           </nameOfIssuer>
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    <nameOfIssuer>FIDELITY WISE ORIGIN BITCOIN  </nameOfIssuer>
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      <sshPrnamt>231</sshPrnamt>
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    <titleOfClass>MSCI UTILS INDEX</titleOfClass>
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    <nameOfIssuer>FIDELITY MERRIMACK STR TR     </nameOfIssuer>
    <titleOfClass>TOTAL BD ETF    </titleOfClass>
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    <value>49384</value>
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    <nameOfIssuer>FIDELITY NATL INFORMATION SV  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>FINWARD BANCORP               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <value>32090</value>
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    <nameOfIssuer>FIRST ADVANTAGE CORP NEW      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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      <sshPrnamt>17</sshPrnamt>
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    <nameOfIssuer>FIRST AMERN FINL CORP         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>31847R102</cusip>
    <value>40728</value>
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      <sshPrnamt>634</sshPrnamt>
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      <Sole>626</Sole>
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      <None>8</None>
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  <infoTable>
    <nameOfIssuer>FIRST BANCORP P R             </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>318672706</cusip>
    <value>19029</value>
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      <sshPrnamt>863</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>847</Sole>
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      <None>16</None>
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    <nameOfIssuer>FIRST BANCORP N C             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>318910106</cusip>
    <value>5818</value>
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      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>103</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST CAP INC                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>31942S104</cusip>
    <value>64120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST CTZNS BANCSHARES INC D  </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>31946M103</cusip>
    <value>37572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST COMWLTH FINL CORP PA    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>319829107</cusip>
    <value>6411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>376</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST FINL BANKSHARES INC     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>32020R109</cusip>
    <value>19988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>584</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST FINL BANCORP OH         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>320209109</cusip>
    <value>739118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>29255</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST FINANCIAL CORPORATION   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>320218100</cusip>
    <value>2878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HAWAIIAN INC            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>32051X108</cusip>
    <value>26171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1040</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>320517105</cusip>
    <value>160011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6026</Sole>
      <Shared>0</Shared>
      <None>1051</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>32054K103</cusip>
    <value>78029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1498</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INTST BANCSYSTEM INC    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>32055Y201</cusip>
    <value>1721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>49</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST MERCHANTS CORP          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>320817109</cusip>
    <value>117209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3109</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST MID ILL BANCSHARES INC  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>320866106</cusip>
    <value>7084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>336433107</cusip>
    <value>1049943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4655</Sole>
      <Shared>0</Shared>
      <None>106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>1ST SOURCE CORP               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>336901103</cusip>
    <value>390290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6246</Sole>
      <Shared>0</Shared>
      <None>94</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD   </nameOfIssuer>
    <titleOfClass>WTR ETF         </titleOfClass>
    <cusip>33733B100</cusip>
    <value>192231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1711</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD   </nameOfIssuer>
    <titleOfClass>CAP STRENGTH ETF</titleOfClass>
    <cusip>33733E104</cusip>
    <value>127631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1363</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD   </nameOfIssuer>
    <titleOfClass>DJ INTERNT IDX  </titleOfClass>
    <cusip>33733E302</cusip>
    <value>195608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>699</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD   </nameOfIssuer>
    <titleOfClass>NAS CLNEDG GREEN</titleOfClass>
    <cusip>33733E500</cusip>
    <value>1469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD   </nameOfIssuer>
    <titleOfClass>GROWTH STRENGTH </titleOfClass>
    <cusip>33733E823</cusip>
    <value>84317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2348</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD   </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>33734H106</cusip>
    <value>185977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4022</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD   </nameOfIssuer>
    <titleOfClass>MATERIALS ALPH  </titleOfClass>
    <cusip>33734X168</cusip>
    <value>123180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD   </nameOfIssuer>
    <titleOfClass>TECH ALPHADEX   </titleOfClass>
    <cusip>33734X176</cusip>
    <value>29230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD   </nameOfIssuer>
    <titleOfClass>CLOUD COMPUTING </titleOfClass>
    <cusip>33734X192</cusip>
    <value>10485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>78</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD   </nameOfIssuer>
    <titleOfClass>NASDAQ CYB ETF  </titleOfClass>
    <cusip>33734X846</cusip>
    <value>90604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1192</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD   </nameOfIssuer>
    <titleOfClass>GBL WND ENRG ETF</titleOfClass>
    <cusip>33736G106</cusip>
    <value>25089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1306</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD   </nameOfIssuer>
    <titleOfClass>NASD TECH DIV   </titleOfClass>
    <cusip>33738R118</cusip>
    <value>16760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD   </nameOfIssuer>
    <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
    <cusip>33738R506</cusip>
    <value>148914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III   </nameOfIssuer>
    <titleOfClass>MANAGD MUN ETF  </titleOfClass>
    <cusip>33739N108</cusip>
    <value>125436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2474</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD   </nameOfIssuer>
    <titleOfClass>FT VEST S&amp;P 500 </titleOfClass>
    <cusip>33739Q705</cusip>
    <value>19971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>405</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI  </nameOfIssuer>
    <titleOfClass>INNOVATION LEAD </titleOfClass>
    <cusip>33740F565</cusip>
    <value>21118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>652</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI  </nameOfIssuer>
    <titleOfClass>FT VEST LADDERED</titleOfClass>
    <cusip>33740F755</cusip>
    <value>21021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>629</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD   </nameOfIssuer>
    <titleOfClass>SMID RISNG ETF  </titleOfClass>
    <cusip>33741X102</cusip>
    <value>11178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>294</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST WATCH RESTAURANT GROUP  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>33748L101</cusip>
    <value>26525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1688</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTSERVICE CORP NEW         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>33767E202</cusip>
    <value>120009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>621</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTCASH HOLDINGS INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>33768G107</cusip>
    <value>1429582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8942</Sole>
      <Shared>0</Shared>
      <None>82</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>337738108</cusip>
    <value>13089618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>98562</Sole>
      <Shared>0</Shared>
      <None>2963</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>337932107</cusip>
    <value>1792708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>38614</Sole>
      <Shared>0</Shared>
      <None>511</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIVE BELOW INC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>33829M101</cusip>
    <value>168778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1091</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1084</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLEXSHARES TR                 </nameOfIssuer>
    <titleOfClass>MORNSTAR UPSTR  </titleOfClass>
    <cusip>33939L407</cusip>
    <value>62080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1418</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEXSHARES TR                 </nameOfIssuer>
    <titleOfClass>IBOXX 3R TARGT  </titleOfClass>
    <cusip>33939L506</cusip>
    <value>223106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLEXSHARES TR                 </nameOfIssuer>
    <titleOfClass>QUALT DIVD IDX  </titleOfClass>
    <cusip>33939L860</cusip>
    <value>175315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2208</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLEXSHARES TR                 </nameOfIssuer>
    <titleOfClass>FLEXSHARES ULTRA</titleOfClass>
    <cusip>33939L886</cusip>
    <value>50219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>664</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLOOR &amp; DECOR HLDGS INC       </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>339750101</cusip>
    <value>84092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1129</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLUOR CORP                    </nameOfIssuer>
    <titleOfClass>NOTE  1.125% 8/1</titleOfClass>
    <cusip>343412AJ1</cusip>
    <value>1067850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>9000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FLUOR CORP NEW                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>343412102</cusip>
    <value>73959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1741</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLOWERS FOODS INC             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>343498101</cusip>
    <value>15843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLOWSERVE CORP                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>34354P105</cusip>
    <value>81039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1513</Sole>
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      <None>12</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FOMENTO ECONOMICO MEXICANO S  </nameOfIssuer>
    <titleOfClass>SPON ADR UNITS  </titleOfClass>
    <cusip>344419106</cusip>
    <value>2475909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>24603</Sole>
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      <None>500</None>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO                   </nameOfIssuer>
    <titleOfClass>NOTE         3/1</titleOfClass>
    <cusip>345370CZ1</cusip>
    <value>912150</value>
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      <sshPrnamt>9000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>345370860</cusip>
    <value>1983123</value>
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      <sshPrnamt>165813</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>162132</Sole>
      <Shared>0</Shared>
      <None>3681</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORMFACTOR INC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>346375108</cusip>
    <value>938288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25531</Sole>
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      <None>232</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORTINET INC                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>34959E109</cusip>
    <value>1732973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20307</Sole>
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      <None>304</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORTIVE CORP                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>34959J108</cusip>
    <value>558192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11033</Sole>
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      <None>361</None>
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  <infoTable>
    <nameOfIssuer>FORTUNE BRANDS INNOVATIONS I  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>34964C106</cusip>
    <value>115643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2151</Sole>
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      <None>15</None>
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  <infoTable>
    <nameOfIssuer>FORTREA HLDGS INC             </nameOfIssuer>
    <titleOfClass>COMMON STOCK    </titleOfClass>
    <cusip>34965K107</cusip>
    <value>8833</value>
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      <sshPrnamt>1049</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1049</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FORWARD AIR CORP              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>34986A104</cusip>
    <value>5513</value>
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      <sshPrnamt>215</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>215</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FOUR CORNERS PPTY TR INC      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>35086T109</cusip>
    <value>15055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>17</None>
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  <infoTable>
    <nameOfIssuer>FOX CORP                      </nameOfIssuer>
    <titleOfClass>CL A COM        </titleOfClass>
    <cusip>35137L105</cusip>
    <value>666040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>10303</Sole>
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      <None>259</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FOX CORP                      </nameOfIssuer>
    <titleOfClass>CL B COM        </titleOfClass>
    <cusip>35137L204</cusip>
    <value>311772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>5206</Sole>
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      <None>236</None>
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  <infoTable>
    <nameOfIssuer>FOX FACTORY HLDG CORP         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>35138V102</cusip>
    <value>11878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>489</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FRANCO NEV CORP               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>351858105</cusip>
    <value>203294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>912</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>912</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRANKLIN BSP RLTY TR INC      </nameOfIssuer>
    <titleOfClass>COMMON STOCK    </titleOfClass>
    <cusip>35243J101</cusip>
    <value>825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>76</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRANKLIN ELEC INC             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>353514102</cusip>
    <value>26370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>273</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRANKLIN RESOURCES INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>354613101</cusip>
    <value>158348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6787</Sole>
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      <None>59</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR     </nameOfIssuer>
    <titleOfClass>INTL COR DIV TIL</titleOfClass>
    <cusip>35473P108</cusip>
    <value>31714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
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      <None>850</None>
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  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON DIGITAL H  </nameOfIssuer>
    <titleOfClass>BITCOIN ETF SHS </titleOfClass>
    <cusip>354921108</cusip>
    <value>25160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>380</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC          </nameOfIssuer>
    <titleOfClass>CL B            </titleOfClass>
    <cusip>35671D857</cusip>
    <value>28643778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>730336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>720545</Sole>
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      <None>9791</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRESENIUS MEDICAL CARE AG     </nameOfIssuer>
    <titleOfClass>SPONSORED ADR   </titleOfClass>
    <cusip>358029106</cusip>
    <value>474993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>18040</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FRESHPET INC                  </nameOfIssuer>
    <titleOfClass>NOTE  3.000% 4/0</titleOfClass>
    <cusip>358039AB1</cusip>
    <value>562000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRESHPET INC                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>358039105</cusip>
    <value>210355</value>
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      <sshPrnamt>3817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>3772</Sole>
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      <None>45</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRESHWORKS INC                </nameOfIssuer>
    <titleOfClass>CLASS A COM     </titleOfClass>
    <cusip>358054104</cusip>
    <value>7286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>619</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRONTDOOR INC                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>35905A109</cusip>
    <value>33039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>485</Sole>
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      <None>6</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRONTIER COMMUNICATIONS PARE  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>35909D109</cusip>
    <value>85942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2273</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRONTIER GROUP HLDGS INC      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>35909R108</cusip>
    <value>10764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>GREENBRIER COS INC            </nameOfIssuer>
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      <sshPrnamt>436</sshPrnamt>
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    <nameOfIssuer>GRID DYNAMICS HLDGS INC       </nameOfIssuer>
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    <nameOfIssuer>GROCERY OUTLET HLDG CORP      </nameOfIssuer>
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    <nameOfIssuer>GRUPO AEROPORTUARIO DEL CENT  </nameOfIssuer>
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    <titleOfClass>LONG TERM GROWER</titleOfClass>
    <cusip>41151J406</cusip>
    <value>6809644</value>
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    <titleOfClass>COM             </titleOfClass>
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  <infoTable>
    <nameOfIssuer>IDEXX LABS INC                </nameOfIssuer>
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    <nameOfIssuer>ILLINOIS TOOL WKS INC         </nameOfIssuer>
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    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>IMAX CORP                     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>TIDAL TRUST III               </nameOfIssuer>
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    <cusip>45259A449</cusip>
    <value>836</value>
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    <nameOfIssuer>IMPERIAL OIL LTD              </nameOfIssuer>
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    <value>15970</value>
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    <nameOfIssuer>INDEPENDENT BK CORP MASS      </nameOfIssuer>
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    <cusip>453836108</cusip>
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    <nameOfIssuer>INDEPENDENT BK CORP MICH      </nameOfIssuer>
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    <cusip>453838609</cusip>
    <value>774</value>
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    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>INFOSYS LTD                   </nameOfIssuer>
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    <cusip>456788108</cusip>
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    <nameOfIssuer>ING GROEP N.V.                </nameOfIssuer>
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    <nameOfIssuer>INGERSOLL RAND INC            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>INGEVITY CORP                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <cusip>457187102</cusip>
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    <nameOfIssuer>INSIGHT ENTERPRISES INC       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>45765U103</cusip>
    <value>14630</value>
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    <nameOfIssuer>INNOVEX INTERNATIONAL INC     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <value>864</value>
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    <titleOfClass>COM             </titleOfClass>
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    <titleOfClass>COM             </titleOfClass>
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    <value>25451</value>
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    <nameOfIssuer>INSTEEL INDS INC              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>45774W108</cusip>
    <value>3987</value>
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    <value>614459</value>
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    <nameOfIssuer>INSTALLED BLDG PRODS INC      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>45780R101</cusip>
    <value>43905</value>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>45781M101</cusip>
    <value>9837</value>
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    <nameOfIssuer>INNOVATIVE INDL PPTYS INC     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>45781V101</cusip>
    <value>7448</value>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>45783Q100</cusip>
    <value>58000</value>
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    <nameOfIssuer>INSULET CORP                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>45784P101</cusip>
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    <nameOfIssuer>INTEGRA LIFESCIENCES HLDGS C  </nameOfIssuer>
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    <cusip>457985208</cusip>
    <value>6563</value>
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    <nameOfIssuer>INTEGER HLDGS CORP            </nameOfIssuer>
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    <nameOfIssuer>INTEGER HLDGS CORP            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>45826H109</cusip>
    <value>16223</value>
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    <nameOfIssuer>INTEGRAL AD SCIENCE HLDNG CO  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>45828L108</cusip>
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    <nameOfIssuer>INTERPARFUMS INC              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>458334109</cusip>
    <value>171476</value>
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    <nameOfIssuer>INTERACTIVE BROKERS GROUP IN  </nameOfIssuer>
    <titleOfClass>COM CL A        </titleOfClass>
    <cusip>45841N107</cusip>
    <value>11216512</value>
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    <nameOfIssuer>INTERCONTINENTAL HOTELS GROU  </nameOfIssuer>
    <titleOfClass>SPONSORED ADS   </titleOfClass>
    <cusip>45857P806</cusip>
    <value>12126</value>
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      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>45866F104</cusip>
    <value>12628081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>73041</Sole>
      <Shared>0</Shared>
      <None>1912</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERFACE INC                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>458665304</cusip>
    <value>2576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>89</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERDIGITAL INC              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>45867G101</cusip>
    <value>260994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>756</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>753</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL BANCSHARES COR  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>459044103</cusip>
    <value>32588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>474</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>459200101</cusip>
    <value>44408598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>149841</Sole>
      <Shared>0</Shared>
      <None>7547</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>459506101</cusip>
    <value>711095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11448</Sole>
      <Shared>0</Shared>
      <None>107</None>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>460146103</cusip>
    <value>928046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19197</Sole>
      <Shared>0</Shared>
      <None>804</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>460690100</cusip>
    <value>557753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19807</Sole>
      <Shared>0</Shared>
      <None>177</None>
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  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MANAGED EXC  </nameOfIssuer>
    <titleOfClass>ULTRA SHRT DUR  </titleOfClass>
    <cusip>46090A887</cusip>
    <value>18587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR                </nameOfIssuer>
    <titleOfClass>UNIT SER 1      </titleOfClass>
    <cusip>46090E103</cusip>
    <value>13428476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20449</Sole>
      <Shared>0</Shared>
      <None>1918</None>
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  <infoTable>
    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD   </nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD   </titleOfClass>
    <cusip>46090F100</cusip>
    <value>15646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1165</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1165</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC        </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>46120E602</cusip>
    <value>97017157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>209627</Sole>
      <Shared>0</Shared>
      <None>7302</None>
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  <infoTable>
    <nameOfIssuer>INTUIT                        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>461202103</cusip>
    <value>32862312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>33884</Sole>
      <Shared>0</Shared>
      <None>14237</None>
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  <infoTable>
    <nameOfIssuer>INVESCO MORTGAGE CAPITAL INC  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>46131B704</cusip>
    <value>189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO BD FD                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>46132L107</cusip>
    <value>15780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>AEROSPACE DEFN  </titleOfClass>
    <cusip>46137V100</cusip>
    <value>17255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>111</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>WATER RES ETF   </titleOfClass>
    <cusip>46137V142</cusip>
    <value>208398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2890</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>S&amp;P SML600 GWT  </titleOfClass>
    <cusip>46137V175</cusip>
    <value>172072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3159</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>S&amp;P 500 TOP 50  </titleOfClass>
    <cusip>46137V233</cusip>
    <value>176011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>S&amp;P500 QUALITY  </titleOfClass>
    <cusip>46137V241</cusip>
    <value>284868409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3886866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3882503</Sole>
      <Shared>0</Shared>
      <None>4363</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>BUYBACK ACHIEV  </titleOfClass>
    <cusip>46137V308</cusip>
    <value>99360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>750</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT  </titleOfClass>
    <cusip>46137V357</cusip>
    <value>8700970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>42788</Sole>
      <Shared>0</Shared>
      <None>3079</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL STP  </titleOfClass>
    <cusip>46137V373</cusip>
    <value>8037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>S&amp;P500 BUY WRT  </titleOfClass>
    <cusip>46137V399</cusip>
    <value>3075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>S&amp;P 500 GARP ETF</titleOfClass>
    <cusip>46137V431</cusip>
    <value>54206057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>477082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>464623</Sole>
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      <None>12459</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>S&amp;P MDCP MOMNTUM</titleOfClass>
    <cusip>46137V464</cusip>
    <value>269513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1993</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1993</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>HIG YLD EQ DIV  </titleOfClass>
    <cusip>46137V563</cusip>
    <value>34423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1634</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>RAFI US 1000 ETF</titleOfClass>
    <cusip>46137V613</cusip>
    <value>300556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6648</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>AI AND NEXT GEN </titleOfClass>
    <cusip>46137V639</cusip>
    <value>16209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>LARGE CAP VALUE </titleOfClass>
    <cusip>46137V738</cusip>
    <value>33779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>518</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>LARGE CAP GROWTH</titleOfClass>
    <cusip>46137V746</cusip>
    <value>62710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>DORSEY WRIGHT MO</titleOfClass>
    <cusip>46137V837</cusip>
    <value>109437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>84</Sole>
      <Shared>0</Shared>
      <None>843</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>S&amp;P MIDCP LOW   </titleOfClass>
    <cusip>46138E198</cusip>
    <value>285512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4492</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>S&amp;P GBL WATER   </titleOfClass>
    <cusip>46138E263</cusip>
    <value>96360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>S&amp;P 500 MOMNTM  </titleOfClass>
    <cusip>46138E339</cusip>
    <value>12348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>S&amp;P500 LOW VOL  </titleOfClass>
    <cusip>46138E354</cusip>
    <value>418983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5702</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>S&amp;P500 HDL VOL  </titleOfClass>
    <cusip>46138E362</cusip>
    <value>125158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2531</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>PFD ETF         </titleOfClass>
    <cusip>46138E511</cusip>
    <value>209426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18054</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>NATL AMT MUNI   </titleOfClass>
    <cusip>46138E537</cusip>
    <value>9467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>KBW BK ETF      </titleOfClass>
    <cusip>46138E628</cusip>
    <value>28859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>369</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>RAFI EMRGNG MRKT</titleOfClass>
    <cusip>46138E727</cusip>
    <value>24378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>RAFI DVLPD MRKTS</titleOfClass>
    <cusip>46138E743</cusip>
    <value>19209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>314</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>EMRNG MKT SVRG  </titleOfClass>
    <cusip>46138E784</cusip>
    <value>1539988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>70913</Sole>
      <Shared>0</Shared>
      <None>515</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>SR LN ETF       </titleOfClass>
    <cusip>46138G508</cusip>
    <value>93306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4458</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>INVESCO PHLX SM </titleOfClass>
    <cusip>46138G615</cusip>
    <value>100741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2010</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>NASDAQ 100 ETF  </titleOfClass>
    <cusip>46138G649</cusip>
    <value>43987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>S&amp;P 500 REVENUE </titleOfClass>
    <cusip>46138G698</cusip>
    <value>3098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>SOLAR ETF       </titleOfClass>
    <cusip>46138G706</cusip>
    <value>13787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>316</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>TAXABLE MUN BD  </titleOfClass>
    <cusip>46138G805</cusip>
    <value>5322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>GBL CLEAN ENRG  </titleOfClass>
    <cusip>46138G847</cusip>
    <value>5516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>VAR RATE PFD    </titleOfClass>
    <cusip>46138G870</cusip>
    <value>103740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD   </nameOfIssuer>
    <titleOfClass>BULETSHS 2031 CP</titleOfClass>
    <cusip>46138J429</cusip>
    <value>8340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD   </nameOfIssuer>
    <titleOfClass>INVSCO 30 CORP  </titleOfClass>
    <cusip>46138J460</cusip>
    <value>8450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD   </nameOfIssuer>
    <titleOfClass>BULETSHS 2029   </titleOfClass>
    <cusip>46138J577</cusip>
    <value>15499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>324</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD   </nameOfIssuer>
    <titleOfClass>INVSCO BLSH 28  </titleOfClass>
    <cusip>46138J643</cusip>
    <value>30855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD   </nameOfIssuer>
    <titleOfClass>BULSHS 2027 CB  </titleOfClass>
    <cusip>46138J783</cusip>
    <value>650430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20000</Sole>
      <Shared>0</Shared>
      <None>13000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD   </nameOfIssuer>
    <titleOfClass>BULSHS 2026 CB  </titleOfClass>
    <cusip>46138J791</cusip>
    <value>44010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD   </nameOfIssuer>
    <titleOfClass>BULSHS 2025 CB  </titleOfClass>
    <cusip>46138J825</cusip>
    <value>49615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1898</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO CURRENCYSHARES SWISS  </nameOfIssuer>
    <titleOfClass>SWISS FRANC     </titleOfClass>
    <cusip>46138R108</cusip>
    <value>166845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD   </nameOfIssuer>
    <titleOfClass>INVESCO BULLETSH</titleOfClass>
    <cusip>46139W825</cusip>
    <value>10735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM  </nameOfIssuer>
    <titleOfClass>AGRICULTURE FD  </titleOfClass>
    <cusip>46140H106</cusip>
    <value>289008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVITATION HOMES INC          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>46187W107</cusip>
    <value>1017546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34338</Sole>
      <Shared>0</Shared>
      <None>355</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IONQ INC                      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>46222L108</cusip>
    <value>21894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>356</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IONIS PHARMACEUTICALS INC     </nameOfIssuer>
    <titleOfClass>NOTE         4/0</titleOfClass>
    <cusip>462222AD2</cusip>
    <value>613500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IONIS PHARMACEUTICALS INC     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>462222100</cusip>
    <value>519696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7863</Sole>
      <Shared>0</Shared>
      <None>81</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>46266C105</cusip>
    <value>4486953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23332</Sole>
      <Shared>0</Shared>
      <None>291</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRIDIUM COMMUNICATIONS INC    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>46269C102</cusip>
    <value>7333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>392</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>46284V101</cusip>
    <value>2259194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21963</Sole>
      <Shared>0</Shared>
      <None>199</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR             </nameOfIssuer>
    <titleOfClass>ISHARES         </titleOfClass>
    <cusip>46428Q109</cusip>
    <value>3850416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>88762</Sole>
      <Shared>0</Shared>
      <None>2114</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR               </nameOfIssuer>
    <titleOfClass>ISHARES NEW     </titleOfClass>
    <cusip>464285204</cusip>
    <value>702740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9145</Sole>
      <Shared>0</Shared>
      <None>512</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                   </nameOfIssuer>
    <titleOfClass>MSCI AUST ETF   </titleOfClass>
    <cusip>464286103</cusip>
    <value>75276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2788</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                   </nameOfIssuer>
    <titleOfClass>MSCI BRAZIL ETF </titleOfClass>
    <cusip>464286400</cusip>
    <value>1550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                   </nameOfIssuer>
    <titleOfClass>MSCI EMERG MRKT </titleOfClass>
    <cusip>464286533</cusip>
    <value>24064</value>
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      <sshPrnamt>377</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>LINCOLN NATL CORP IND         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>534187109</cusip>
    <value>1023172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25005</Sole>
      <Shared>0</Shared>
      <None>365</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LINDSAY CORP                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>535555106</cusip>
    <value>2530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LIQUIDITY SVCS INC            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>53635B107</cusip>
    <value>1426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>52</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LITHIA MTRS INC               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>536797103</cusip>
    <value>88480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>277</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LITTELFUSE INC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>537008104</cusip>
    <value>106971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>402</Sole>
      <Shared>0</Shared>
      <None>11</None>
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  <infoTable>
    <nameOfIssuer>LIVE NATION ENTERTAINMENT IN  </nameOfIssuer>
    <titleOfClass>NOTE  3.125% 1/1</titleOfClass>
    <cusip>538034BA6</cusip>
    <value>1451799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9000</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LIVE NATION ENTERTAINMENT IN  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>538034109</cusip>
    <value>958178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5864</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5800</Sole>
      <Shared>0</Shared>
      <None>64</None>
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  <infoTable>
    <nameOfIssuer>LIVERAMP HLDGS INC            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>53815P108</cusip>
    <value>26217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>958</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LLOYDS BANKING GROUP PLC      </nameOfIssuer>
    <titleOfClass>SPONSORED ADR   </titleOfClass>
    <cusip>539439109</cusip>
    <value>25887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5702</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>539830109</cusip>
    <value>36558646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>69036</Sole>
      <Shared>0</Shared>
      <None>4197</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOEWS CORP                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>540424108</cusip>
    <value>887347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8778</Sole>
      <Shared>0</Shared>
      <None>61</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOMA NEGRA C I A S A MTN  14  </nameOfIssuer>
    <titleOfClass>SPONSORED ADS   </titleOfClass>
    <cusip>54150E104</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>407</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOUISIANA PAC CORP            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>546347105</cusip>
    <value>321956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3624</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3577</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOVESAC COMPANY               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>54738L109</cusip>
    <value>203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOWES COS INC                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>548661107</cusip>
    <value>70838258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>281876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>254266</Sole>
      <Shared>0</Shared>
      <None>27610</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LUCID GROUP INC               </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>549498202</cusip>
    <value>118950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LULULEMON ATHLETICA INC       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>550021109</cusip>
    <value>578273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3177</Sole>
      <Shared>0</Shared>
      <None>73</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LUMENTUM HLDGS INC            </nameOfIssuer>
    <titleOfClass>NOTE  0.500%12/1</titleOfClass>
    <cusip>55024UAD1</cusip>
    <value>1514250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LUMENTUM HLDGS INC            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>55024U109</cusip>
    <value>122033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>744</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LUMEN TECHNOLOGIES INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>550241103</cusip>
    <value>32699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5267</Sole>
      <Shared>0</Shared>
      <None>76</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LUMINAR TECHNOLOGIES INC      </nameOfIssuer>
    <titleOfClass>COM NEW CL A    </titleOfClass>
    <cusip>550424303</cusip>
    <value>607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>318</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>M &amp; T BK CORP                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>55261F104</cusip>
    <value>2008017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10078</Sole>
      <Shared>0</Shared>
      <None>83</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MDU RES GROUP INC             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>552690109</cusip>
    <value>22939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1288</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MGE ENERGY INC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>55277P104</cusip>
    <value>11028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>127</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MGIC INVT CORP WIS            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>552848103</cusip>
    <value>76798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2673</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MGM RESORTS INTERNATIONAL     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>552953101</cusip>
    <value>542810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15165</Sole>
      <Shared>0</Shared>
      <None>496</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MGP INGREDIENTS INC NEW       </nameOfIssuer>
    <titleOfClass>NOTE  1.875%11/1</titleOfClass>
    <cusip>55303JAB2</cusip>
    <value>667317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MGP INGREDIENTS INC NEW       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>55303J106</cusip>
    <value>6435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>258</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>M/I HOMES INC                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>55305B101</cusip>
    <value>26288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>176</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MKS INC.                      </nameOfIssuer>
    <titleOfClass>NOTE  1.250% 6/0</titleOfClass>
    <cusip>55306NAB0</cusip>
    <value>657000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MKS INC.                      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>55306N104</cusip>
    <value>76614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>613</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MPLX LP                       </nameOfIssuer>
    <titleOfClass>COM UNIT REP LTD</titleOfClass>
    <cusip>55336V100</cusip>
    <value>74875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1499</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MP MATERIALS CORP             </nameOfIssuer>
    <titleOfClass>COM CL A        </titleOfClass>
    <cusip>553368101</cusip>
    <value>143999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2139</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSA SAFETY INC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>553498106</cusip>
    <value>121653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>705</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MSC INDL DIRECT INC           </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>553530106</cusip>
    <value>21561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>222</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MSCI INC                      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>55354G100</cusip>
    <value>1697123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2949</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MVB FINL CORP                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>553810102</cusip>
    <value>13783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MYR GROUP INC DEL             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>55405W104</cusip>
    <value>25172</value>
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      <sshPrnamt>121</sshPrnamt>
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    <nameOfIssuer>MADISON SQUARE GRDN SPRT COR  </nameOfIssuer>
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    <nameOfIssuer>MATCH GROUP INC NEW           </nameOfIssuer>
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    <nameOfIssuer>NCR ATLEOS CORPORATION        </nameOfIssuer>
    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>63001N106</cusip>
    <value>18829</value>
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    <nameOfIssuer>NASDAQ INC                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <value>3896046</value>
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      <None>1409</None>
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    <cusip>632307104</cusip>
    <value>23341</value>
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    <nameOfIssuer>NATIONAL BK HLDGS CORP        </nameOfIssuer>
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    <value>2705</value>
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    <nameOfIssuer>NATIONAL BEVERAGE CORP        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>635017106</cusip>
    <value>9452</value>
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    <cusip>636180101</cusip>
    <value>491039</value>
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    <cusip>636274409</cusip>
    <value>345110</value>
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    <cusip>637215104</cusip>
    <value>2243</value>
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      <Sole>20</Sole>
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    <nameOfIssuer>NATIONAL RESH CORP            </nameOfIssuer>
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    <cusip>637372202</cusip>
    <value>2518</value>
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      <Sole>197</Sole>
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    <nameOfIssuer>NNN REIT INC                  </nameOfIssuer>
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    <cusip>637417106</cusip>
    <value>95357</value>
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    <nameOfIssuer>NATIONAL STORAGE AFFILIATES   </nameOfIssuer>
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    <cusip>637870106</cusip>
    <value>22635</value>
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      <Sole>727</Sole>
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    <nameOfIssuer>NATIONAL VISION HLDGS INC     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>63845R107</cusip>
    <value>381542</value>
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      <Sole>12879</Sole>
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    <nameOfIssuer>NATWEST GROUP PLC             </nameOfIssuer>
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    <cusip>639057207</cusip>
    <value>1002612</value>
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      <Sole>70434</Sole>
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      <None>422</None>
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    <nameOfIssuer>NAVIENT CORPORATION           </nameOfIssuer>
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    <cusip>63938C108</cusip>
    <value>3458</value>
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      <Sole>217</Sole>
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      <None>46</None>
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    <cusip>63947X101</cusip>
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    <value>22620</value>
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    <value>31354</value>
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    <nameOfIssuer>NET POWER INC                 </nameOfIssuer>
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    <cusip>64107A105</cusip>
    <value>15050</value>
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    <nameOfIssuer>NETAPP INC                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>64110D104</cusip>
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      <None>272</None>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>64110L106</cusip>
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    <cusip>64110W102</cusip>
    <value>2240941</value>
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      <Sole>14538</Sole>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>64111Q104</cusip>
    <value>1587</value>
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      <Sole>37</Sole>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>64115T104</cusip>
    <value>10952</value>
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      <Sole>424</Sole>
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    <nameOfIssuer>NEUROCRINE BIOSCIENCES INC    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>64125C109</cusip>
    <value>119042</value>
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      <Sole>830</Sole>
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    <nameOfIssuer>ATLAS ENERGY SOLUTIONS INC    </nameOfIssuer>
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    <cusip>642045108</cusip>
    <value>18090</value>
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    <nameOfIssuer>VIPER ENERGY INC              </nameOfIssuer>
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    <cusip>64361Q101</cusip>
    <value>58706</value>
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    <nameOfIssuer>NEW JERSEY RES CORP           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <value>53013</value>
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    <cusip>649445400</cusip>
    <value>46870</value>
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    <nameOfIssuer>ADAMAS TRUST INC.             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>649604840</cusip>
    <value>5290</value>
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      <None>10</None>
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    <nameOfIssuer>NEW YORK TIMES CO             </nameOfIssuer>
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    <cusip>650111107</cusip>
    <value>594779</value>
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      <Sole>10166</Sole>
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      <None>196</None>
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    <nameOfIssuer>NEWELL BRANDS INC             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <cusip>65158N102</cusip>
    <value>1809</value>
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    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>NEWMONT CORP                  </nameOfIssuer>
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    <cusip>651639106</cusip>
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    <nameOfIssuer>NUVEEN PFD &amp; INCOME OPPORTUN  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>67073B106</cusip>
    <value>244729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29845</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>29845</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NUTRIEN LTD                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>67077M108</cusip>
    <value>13797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NUSCALE PWR CORP              </nameOfIssuer>
    <titleOfClass>CL A COM        </titleOfClass>
    <cusip>67079K100</cusip>
    <value>108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN CORE PLUS IMPACT FUND  </nameOfIssuer>
    <titleOfClass>COM BEN INT     </titleOfClass>
    <cusip>67080D103</cusip>
    <value>52242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>670837103</cusip>
    <value>253513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2518</Sole>
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      <None>2961</None>
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  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR               </nameOfIssuer>
    <titleOfClass>NUVEEN ESG MIDCP</titleOfClass>
    <cusip>67092P409</cusip>
    <value>134357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2760</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>O-I GLASS INC                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>67098H104</cusip>
    <value>7652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>575</Sole>
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      <None>15</None>
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  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>67103H107</cusip>
    <value>59967803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>556236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>547216</Sole>
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      <None>9020</None>
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    <nameOfIssuer>OFG BANCORP                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>67103X102</cusip>
    <value>13917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>313</Sole>
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      <None>7</None>
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  <infoTable>
    <nameOfIssuer>OSI SYSTEMS INC               </nameOfIssuer>
    <titleOfClass>NOTE  2.250% 8/0</titleOfClass>
    <cusip>671044AF2</cusip>
    <value>1159600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>8000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>OSI SYSTEMS INC               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>671044105</cusip>
    <value>29410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>117</Sole>
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      <None>1</None>
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  <infoTable>
    <nameOfIssuer>CHORD ENERGY CORPORATION      </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>674215207</cusip>
    <value>49288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>491</Sole>
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      <None>5</None>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>674599105</cusip>
    <value>1119211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23356</Sole>
      <Shared>0</Shared>
      <None>331</None>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP          </nameOfIssuer>
    <titleOfClass>*W EXP 08/03/202</titleOfClass>
    <cusip>674599162</cusip>
    <value>4412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OCEANEERING INTL INC          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>675232102</cusip>
    <value>9689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>378</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OIL STS INTL INC              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>678026105</cusip>
    <value>309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>25</None>
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  <infoTable>
    <nameOfIssuer>OKTA INC                      </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>679295105</cusip>
    <value>232735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2528</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>679580100</cusip>
    <value>1229291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8593</Sole>
      <Shared>0</Shared>
      <None>139</None>
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  <infoTable>
    <nameOfIssuer>OLD NATL BANCORP IND          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>680033107</cusip>
    <value>84420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3826</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>680223104</cusip>
    <value>120827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2845</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLIN CORP                     </nameOfIssuer>
    <titleOfClass>COM PAR $1      </titleOfClass>
    <cusip>680665205</cusip>
    <value>25665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1027</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1027</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>681116109</cusip>
    <value>143808</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1107</Sole>
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      <None>13</None>
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  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>681919106</cusip>
    <value>621666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6209</Sole>
      <Shared>0</Shared>
      <None>1416</None>
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  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>681936100</cusip>
    <value>549493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12961</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OMEGA FLEX INC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>682095104</cusip>
    <value>3306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>106</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OMNICELL COM                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>68213N109</cusip>
    <value>20158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>651</Sole>
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      <None>11</None>
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  <infoTable>
    <nameOfIssuer>OMEROS CORP                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>682143102</cusip>
    <value>4100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ON SEMICONDUCTOR CORP         </nameOfIssuer>
    <titleOfClass>NOTE         5/0</titleOfClass>
    <cusip>682189AS4</cusip>
    <value>1138000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ON SEMICONDUCTOR CORP         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>682189105</cusip>
    <value>3195239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64799</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>64083</Sole>
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      <None>716</None>
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  <infoTable>
    <nameOfIssuer>ONE GAS INC                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>68235P108</cusip>
    <value>53744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>664</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>664</Sole>
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      <None>0</None>
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    <nameOfIssuer>ONE LIBERTY PPTYS INC         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>682406103</cusip>
    <value>4490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>155</Sole>
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      <None>48</None>
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  <infoTable>
    <nameOfIssuer>ONEMAIN HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>68268W103</cusip>
    <value>1186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>21</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ONEOK INC NEW                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>682680103</cusip>
    <value>1642993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22516</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20392</Sole>
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      <None>2124</None>
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  <infoTable>
    <nameOfIssuer>ONESTREAM INC                 </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>68278B107</cusip>
    <value>14597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>792</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>792</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ONEWATER MARINE INC           </nameOfIssuer>
    <titleOfClass>CL A COM        </titleOfClass>
    <cusip>68280L101</cusip>
    <value>143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>9</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ONTO INNOVATION INC           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>683344105</cusip>
    <value>281700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2141</Sole>
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      <None>39</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OPPENHEIMER HLDGS INC         </nameOfIssuer>
    <titleOfClass>CL A NON VTG    </titleOfClass>
    <cusip>683797104</cusip>
    <value>1848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
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      <None>6</None>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>68389X105</cusip>
    <value>349525634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1242802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>ORGANON &amp; CO                  </nameOfIssuer>
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    <nameOfIssuer>ORIX CORP                     </nameOfIssuer>
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    <value>902786</value>
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    <nameOfIssuer>ORMAT TECHNOLOGIES INC        </nameOfIssuer>
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    <value>50531</value>
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    <nameOfIssuer>ORTHOPEDIATRICS CORP          </nameOfIssuer>
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    <cusip>68752L100</cusip>
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    <value>17984</value>
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    <nameOfIssuer>OSHKOSH CORP                  </nameOfIssuer>
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    <cusip>688239201</cusip>
    <value>152527</value>
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    <nameOfIssuer>OTIS WORLDWIDE CORP           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>68902V107</cusip>
    <value>1395222</value>
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      <sshPrnamt>15260</sshPrnamt>
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    <nameOfIssuer>OTTER TAIL CORP               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>689648103</cusip>
    <value>72625</value>
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    <nameOfIssuer>OUTFRONT MEDIA INC            </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>69007J304</cusip>
    <value>319995</value>
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    <nameOfIssuer>OVINTIV INC                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>69047Q102</cusip>
    <value>49506</value>
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    <nameOfIssuer>OWENS &amp; MINOR INC NEW         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>690732102</cusip>
    <value>7699</value>
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    <nameOfIssuer>OWENS CORNING NEW             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <value>130568</value>
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    <nameOfIssuer>BLUE OWL CAPITAL CORPORATION  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>69121K104</cusip>
    <value>12770</value>
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    <nameOfIssuer>OXFORD INDS INC               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>691497309</cusip>
    <value>5919</value>
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    <nameOfIssuer>PBF ENERGY INC                </nameOfIssuer>
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    <cusip>69318G106</cusip>
    <value>42389</value>
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    <nameOfIssuer>PC CONNECTION INC             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>69318J100</cusip>
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    <nameOfIssuer>PDF SOLUTIONS INC             </nameOfIssuer>
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    <cusip>693282105</cusip>
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    <nameOfIssuer>PG&amp;E CORP                     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>PG&amp;E CORP                     </nameOfIssuer>
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    <cusip>69331C306</cusip>
    <value>70411</value>
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    <titleOfClass>COM CL A        </titleOfClass>
    <cusip>69343T107</cusip>
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    <nameOfIssuer>PNC FINL SVCS GROUP INC       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>693475105</cusip>
    <value>143948663</value>
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    <titleOfClass>SPONSORED ADR   </titleOfClass>
    <cusip>693483109</cusip>
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    <titleOfClass>COM             </titleOfClass>
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    <value>40151</value>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>693506107</cusip>
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    <titleOfClass>COM             </titleOfClass>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>69354N106</cusip>
    <value>7210</value>
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      <Sole>467</Sole>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>693656100</cusip>
    <value>51435</value>
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      <Sole>608</Sole>
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    <nameOfIssuer>PTC INC                       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>69370C100</cusip>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>693718108</cusip>
    <value>3547484</value>
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      <Sole>35629</Sole>
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  <infoTable>
    <nameOfIssuer>PACER FDS TR                  </nameOfIssuer>
    <titleOfClass>DATA AND INFRAST</titleOfClass>
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    <value>1742</value>
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      <Sole>55</Sole>
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    <nameOfIssuer>PACER FDS TR                  </nameOfIssuer>
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    <value>41460</value>
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    <nameOfIssuer>PACER FDS TR                  </nameOfIssuer>
    <titleOfClass>US CASH COWS 100</titleOfClass>
    <cusip>69374H881</cusip>
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    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>69380Q107</cusip>
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    <nameOfIssuer>PACIRA BIOSCIENCES INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>695127100</cusip>
    <value>20642</value>
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      <Sole>792</Sole>
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    <nameOfIssuer>PACKAGING CORP AMER           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>PERELLA WEINBERG PARTNERS     </nameOfIssuer>
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    <nameOfIssuer>PERFORMANCE FOOD GROUP CO     </nameOfIssuer>
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    <nameOfIssuer>P T TELEKOMUNIKASI INDONESIA  </nameOfIssuer>
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    <nameOfIssuer>PETROLEO BRASILEIRO SA PETRO  </nameOfIssuer>
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    <nameOfIssuer>PHILIP MORRIS INTL INC        </nameOfIssuer>
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    <nameOfIssuer>PHOTRONICS INC                </nameOfIssuer>
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    <nameOfIssuer>PHREESIA INC                  </nameOfIssuer>
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    <nameOfIssuer>PIEDMONT REALTY TRUST INC     </nameOfIssuer>
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    <nameOfIssuer>PILGRIMS PRIDE CORP           </nameOfIssuer>
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    <nameOfIssuer>PIMCO CORPORATE &amp; INCM STRG   </nameOfIssuer>
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    <nameOfIssuer>PIMCO ETF TR                  </nameOfIssuer>
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    <nameOfIssuer>PIMCO ETF TR                  </nameOfIssuer>
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    <nameOfIssuer>PIMCO ETF TR                  </nameOfIssuer>
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    <value>15385</value>
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    <nameOfIssuer>PIMCO ETF TR                  </nameOfIssuer>
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    <cusip>722304102</cusip>
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    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>PLAINS ALL AMERN PIPELINE L   </nameOfIssuer>
    <titleOfClass>UNIT LTD PARTN  </titleOfClass>
    <cusip>726503105</cusip>
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    <nameOfIssuer>PLEXUS CORP                   </nameOfIssuer>
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    <value>233</value>
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    <titleOfClass>COM             </titleOfClass>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>73278L105</cusip>
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      <Sole>1129</Sole>
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      <None>40</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PORTILLOS INC                 </nameOfIssuer>
    <titleOfClass>COM CL A        </titleOfClass>
    <cusip>73642K106</cusip>
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      <sshPrnamt>40200</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PORTLAND GEN ELEC CO          </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>736508847</cusip>
    <value>34584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>786</sshPrnamt>
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      <None>8</None>
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  <infoTable>
    <nameOfIssuer>POST HLDGS INC                </nameOfIssuer>
    <titleOfClass>NOTE  2.500% 8/1</titleOfClass>
    <cusip>737446AT1</cusip>
    <value>1122000</value>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>POST HLDGS INC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <value>66423</value>
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  <infoTable>
    <nameOfIssuer>POSTAL REALTY TRUST INC       </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>73757R102</cusip>
    <value>18985</value>
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  <infoTable>
    <nameOfIssuer>POTLATCHDELTIC CORPORATION    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>737630103</cusip>
    <value>86716</value>
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      <Sole>2103</Sole>
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      <None>25</None>
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  <infoTable>
    <nameOfIssuer>POWELL INDS INC               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>739128106</cusip>
    <value>20727</value>
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      <sshPrnamt>68</sshPrnamt>
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    <nameOfIssuer>POWER INTEGRATIONS INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <value>71131</value>
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      <sshPrnamt>1769</sshPrnamt>
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      <None>36</None>
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  <infoTable>
    <nameOfIssuer>PRECISION DRILLING CORP       </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>74022D407</cusip>
    <value>3213</value>
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      <sshPrnamt>57</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PREFERRED BK LOS ANGELES CA   </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>740367404</cusip>
    <value>11118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>123</Sole>
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      <None>0</None>
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    <nameOfIssuer>PREMIER INC                   </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>74051N102</cusip>
    <value>15902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>572</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>572</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PRESTIGE CONSMR HEALTHCARE I  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>74112D101</cusip>
    <value>16973</value>
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      <sshPrnamt>272</sshPrnamt>
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      <Sole>272</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>74144T108</cusip>
    <value>2240631</value>
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      <sshPrnamt>21830</sshPrnamt>
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      <None>315</None>
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    <nameOfIssuer>PRICESMART INC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>741511109</cusip>
    <value>73926</value>
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      <None>20</None>
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  <infoTable>
    <nameOfIssuer>PRIMO BRANDS CORPORATION      </nameOfIssuer>
    <titleOfClass>CLASS A COM SHS </titleOfClass>
    <cusip>741623102</cusip>
    <value>8531</value>
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      <Sole>386</Sole>
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  <infoTable>
    <nameOfIssuer>PRIMERICA INC                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>74164M108</cusip>
    <value>383074</value>
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      <sshPrnamt>1380</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1359</Sole>
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  <infoTable>
    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>74251V102</cusip>
    <value>746439</value>
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      <sshPrnamt>9003</sshPrnamt>
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      <Sole>8956</Sole>
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      <None>47</None>
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    <nameOfIssuer>PRINCIPAL EXCHANGE TRADED FD  </nameOfIssuer>
    <titleOfClass>SPECTRUM PFD    </titleOfClass>
    <cusip>74255Y888</cusip>
    <value>9608</value>
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      <None>502</None>
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  <infoTable>
    <nameOfIssuer>PROASSURANCE CORP             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>74267C106</cusip>
    <value>960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
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      <Sole>40</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>742718109</cusip>
    <value>337757579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2198227</sshPrnamt>
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      <None>120572</None>
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  <infoTable>
    <nameOfIssuer>PROCORE TECHNOLOGIES INC      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>74275K108</cusip>
    <value>351547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4821</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4750</Sole>
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      <None>71</None>
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  <infoTable>
    <nameOfIssuer>PRIVIA HEALTH GROUP INC       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>74276R102</cusip>
    <value>81772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3284</sshPrnamt>
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      <Sole>3274</Sole>
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      <None>10</None>
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  <infoTable>
    <nameOfIssuer>PROG HOLDINGS INC             </nameOfIssuer>
    <titleOfClass>COM NPV         </titleOfClass>
    <cusip>74319R101</cusip>
    <value>12362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>382</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>375</Sole>
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      <None>7</None>
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  <infoTable>
    <nameOfIssuer>PROGRESS SOFTWARE CORP        </nameOfIssuer>
    <titleOfClass>NOTE  3.500% 3/0</titleOfClass>
    <cusip>743312AD2</cusip>
    <value>502250</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROGRESS SOFTWARE CORP        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>743312100</cusip>
    <value>9181</value>
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      <Sole>204</Sole>
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      <None>5</None>
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  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>743315103</cusip>
    <value>27120296</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>105944</Sole>
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      <None>3877</None>
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  <infoTable>
    <nameOfIssuer>PROGYNY INC                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>74340E103</cusip>
    <value>19691</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>915</Sole>
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  <infoTable>
    <nameOfIssuer>PROLOGIS INC.                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>74340W103</cusip>
    <value>13485188</value>
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      <sshPrnamt>117754</sshPrnamt>
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      <None>6141</None>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR                  </nameOfIssuer>
    <titleOfClass>DJ BRKFLD GLB   </titleOfClass>
    <cusip>74347B508</cusip>
    <value>6710</value>
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      <Sole>124</Sole>
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    <nameOfIssuer>PROSHARES TR                  </nameOfIssuer>
    <titleOfClass>BITCOIN ETF     </titleOfClass>
    <cusip>74347G440</cusip>
    <value>3168</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>161</Sole>
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  <infoTable>
    <nameOfIssuer>PROPETRO HLDG CORP            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>74347M108</cusip>
    <value>325</value>
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      <Sole>62</Sole>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR                  </nameOfIssuer>
    <titleOfClass>PSHS ULTRA UTIL </titleOfClass>
    <cusip>74347R685</cusip>
    <value>6577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR                  </nameOfIssuer>
    <titleOfClass>ULTRA CONSU STAP</titleOfClass>
    <cusip>74347R768</cusip>
    <value>4759</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>276</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROSHARES TR                  </nameOfIssuer>
    <titleOfClass>ULTRAPRO QQQ    </titleOfClass>
    <cusip>74347X831</cusip>
    <value>14476</value>
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      <sshPrnamt>140</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR                  </nameOfIssuer>
    <titleOfClass>S&amp;P 500 DV ARIST</titleOfClass>
    <cusip>74348A467</cusip>
    <value>110697</value>
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      <sshPrnamt>1074</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1074</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROSPERITY BANCSHARES INC     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>743606105</cusip>
    <value>76103</value>
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      <Sole>1114</Sole>
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      <None>33</None>
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  <infoTable>
    <nameOfIssuer>PROTAGONIST THERAPEUTICS INC  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>74366E102</cusip>
    <value>20394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>307</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>303</Sole>
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      <None>4</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROTO LABS INC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>743713109</cusip>
    <value>6404</value>
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    <nameOfIssuer>ROCKWELL AUTOMATION INC       </nameOfIssuer>
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    <nameOfIssuer>ROGERS COMMUNICATIONS INC     </nameOfIssuer>
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    <cusip>775109200</cusip>
    <value>3137</value>
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    <nameOfIssuer>ROGERS CORP                   </nameOfIssuer>
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    <nameOfIssuer>ROKU INC                      </nameOfIssuer>
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    <nameOfIssuer>ROLLINS INC                   </nameOfIssuer>
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    <nameOfIssuer>ROYAL BK CDA                  </nameOfIssuer>
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      <Sole>848</Sole>
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    <nameOfIssuer>ROYCE SMALL CAP TRUST INC     </nameOfIssuer>
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    <nameOfIssuer>RUSH ENTERPRISES INC          </nameOfIssuer>
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    <nameOfIssuer>RUSH ENTERPRISES INC          </nameOfIssuer>
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      <sshPrnamt>21</sshPrnamt>
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    <nameOfIssuer>RYAN SPECIALTY HOLDINGS INC   </nameOfIssuer>
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    <nameOfIssuer>RYANAIR HOLDINGS PLC          </nameOfIssuer>
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    <nameOfIssuer>S&amp;P GLOBAL INC                </nameOfIssuer>
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    <nameOfIssuer>SBA COMMUNICATIONS CORP NEW   </nameOfIssuer>
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    <nameOfIssuer>SEI INVTS CO                  </nameOfIssuer>
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    <nameOfIssuer>H2O AMERICA                   </nameOfIssuer>
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    <nameOfIssuer>SL GREEN RLTY CORP            </nameOfIssuer>
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    <cusip>78440X887</cusip>
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    <nameOfIssuer>SLM CORP                      </nameOfIssuer>
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    <nameOfIssuer>SM ENERGY CO                  </nameOfIssuer>
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    <cusip>78454L100</cusip>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR           </nameOfIssuer>
    <titleOfClass>TR UNIT         </titleOfClass>
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    <value>318476009</value>
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    <nameOfIssuer>SPDR S&amp;P 500 ETF TR           </nameOfIssuer>
    <titleOfClass>TR UNIT PUT             </titleOfClass>
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    <nameOfIssuer>SPDR GOLD TR                  </nameOfIssuer>
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  <infoTable>
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    <titleOfClass>DJ GLB RL ES ETF</titleOfClass>
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  <infoTable>
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    <value>58929</value>
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  <infoTable>
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    <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
    <cusip>78463X889</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>27761</Sole>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFOLIO CRPORT</titleOfClass>
    <cusip>78464A144</cusip>
    <value>4504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
    <cusip>78464A300</cusip>
    <value>74111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>836</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
    <cusip>78464A375</cusip>
    <value>8981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>BLOOMBERG EMERGI</titleOfClass>
    <cusip>78464A391</cusip>
    <value>18220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>853</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
    <cusip>78464A409</cusip>
    <value>23440130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>217160</Sole>
      <Shared>0</Shared>
      <None>7126</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT </titleOfClass>
    <cusip>78464A474</cusip>
    <value>99533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2646</Sole>
      <Shared>0</Shared>
      <None>640</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
    <cusip>78464A508</cusip>
    <value>15231353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>264362</Sole>
      <Shared>0</Shared>
      <None>10920</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFOLIO AGRGTE</titleOfClass>
    <cusip>78464A649</cusip>
    <value>13132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>508</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
    <cusip>78464A664</cusip>
    <value>66081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1763</Sole>
      <Shared>0</Shared>
      <None>689</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>S&amp;P REGL BKG    </titleOfClass>
    <cusip>78464A698</cusip>
    <value>85392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1349</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF   </titleOfClass>
    <cusip>78464A763</cusip>
    <value>932733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5860</Sole>
      <Shared>0</Shared>
      <None>800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>S&amp;P BK ETF      </titleOfClass>
    <cusip>78464A797</cusip>
    <value>178795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2581</Sole>
      <Shared>0</Shared>
      <None>428</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFOLI S&amp;P1500</titleOfClass>
    <cusip>78464A805</cusip>
    <value>127104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>S&amp;P 400 MDCP GRW</titleOfClass>
    <cusip>78464A821</cusip>
    <value>4944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>54</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P400</titleOfClass>
    <cusip>78464A847</cusip>
    <value>13204713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230892</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>203584</Sole>
      <Shared>0</Shared>
      <None>27308</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>
    <cusip>78464A854</cusip>
    <value>46072224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>588106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>547597</Sole>
      <Shared>0</Shared>
      <None>40509</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH     </titleOfClass>
    <cusip>78464A870</cusip>
    <value>6584944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>63480</Sole>
      <Shared>0</Shared>
      <None>2238</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>S&amp;P HOMEBUILD   </titleOfClass>
    <cusip>78464A888</cusip>
    <value>44320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>78467J100</cusip>
    <value>13492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE   </nameOfIssuer>
    <titleOfClass>UT SER 1        </titleOfClass>
    <cusip>78467X109</cusip>
    <value>2060397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4014</Sole>
      <Shared>0</Shared>
      <None>429</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR    </nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP  </titleOfClass>
    <cusip>78467Y107</cusip>
    <value>4922016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7248</Sole>
      <Shared>0</Shared>
      <None>1010</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFOLIO SH TSR</titleOfClass>
    <cusip>78468R101</cusip>
    <value>97342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>BLOOMBERG 3-12 M</titleOfClass>
    <cusip>78468R523</cusip>
    <value>25079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>252</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>61244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>625</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
    <cusip>78468R663</cusip>
    <value>49362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>138</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>NUVEEN ICE SHORT</titleOfClass>
    <cusip>78468R739</cusip>
    <value>14466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
    <cusip>78468R853</cusip>
    <value>14788262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>319263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>282402</Sole>
      <Shared>0</Shared>
      <None>36861</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPX TECHNOLOGIES INC          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>78473E103</cusip>
    <value>483013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2549</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSR MINING IN                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>784730103</cusip>
    <value>3272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABINE RTY TR                 </nameOfIssuer>
    <titleOfClass>UNIT BEN INT    </titleOfClass>
    <cusip>785688102</cusip>
    <value>52364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>659</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>78573L106</cusip>
    <value>87142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4610</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABRE CORP                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>78573M104</cusip>
    <value>683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>373</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAFEHOLD INC                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>78646V107</cusip>
    <value>3950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAFETY INS GROUP INC          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>78648T100</cusip>
    <value>5655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAIA INC                      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>78709Y105</cusip>
    <value>397849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1310</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ST JOE CO                     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>790148100</cusip>
    <value>8461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>166</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>79466L302</cusip>
    <value>56198625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>237125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>221939</Sole>
      <Shared>0</Shared>
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      <None>0</None>
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    <nameOfIssuer>SAMSARA INC                   </nameOfIssuer>
    <titleOfClass>COM CL A        </titleOfClass>
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    <nameOfIssuer>SANDISK CORP                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>SANFILIPPO JOHN B &amp; SON INC   </nameOfIssuer>
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    <nameOfIssuer>SANOFI SA                     </nameOfIssuer>
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    <value>1075216</value>
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    <nameOfIssuer>SAUL CTRS INC                 </nameOfIssuer>
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    <cusip>804395101</cusip>
    <value>1179</value>
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      <sshPrnamt>37</sshPrnamt>
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    <nameOfIssuer>SCANSOURCE INC                </nameOfIssuer>
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    <cusip>806037107</cusip>
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      <sshPrnamt>194</sshPrnamt>
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    <nameOfIssuer>HENRY SCHEIN INC              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>806407102</cusip>
    <value>196522</value>
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      <sshPrnamt>2961</sshPrnamt>
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      <Sole>2859</Sole>
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    <nameOfIssuer>SCHLUMBERGER LTD              </nameOfIssuer>
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    <cusip>806857108</cusip>
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      <Sole>495135</Sole>
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      <None>4534</None>
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    <nameOfIssuer>SCHNEIDER NATIONAL INC        </nameOfIssuer>
    <titleOfClass>CL B            </titleOfClass>
    <cusip>80689H102</cusip>
    <value>6962</value>
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      <Sole>282</Sole>
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      <None>47</None>
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    <nameOfIssuer>SCHOLASTIC CORP               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>807066105</cusip>
    <value>2519</value>
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      <sshPrnamt>92</sshPrnamt>
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      <Sole>92</Sole>
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      <None>0</None>
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    <nameOfIssuer>SCHRODINGER INC               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>80810D103</cusip>
    <value>5577</value>
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      <sshPrnamt>278</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>278</Sole>
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      <None>0</None>
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    <nameOfIssuer>SCHWAB CHARLES CORP           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>808513105</cusip>
    <value>14415588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150996</sshPrnamt>
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      <None>6011</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>US BRD MKT ETF  </titleOfClass>
    <cusip>808524102</cusip>
    <value>1037193</value>
    <shrsOrPrnAmt>
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      <Sole>14329</Sole>
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      <None>26013</None>
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    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>US LRG CAP ETF  </titleOfClass>
    <cusip>808524201</cusip>
    <value>534412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20289</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>20289</Sole>
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    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>US LCAP GR ETF  </titleOfClass>
    <cusip>808524300</cusip>
    <value>126491</value>
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      <sshPrnamt>3964</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>US LCAP VA ETF  </titleOfClass>
    <cusip>808524409</cusip>
    <value>10567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>363</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>363</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>US MID-CAP ETF  </titleOfClass>
    <cusip>808524508</cusip>
    <value>29640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>US SML CAP ETF  </titleOfClass>
    <cusip>808524607</cusip>
    <value>35517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>953</Sole>
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      <None>320</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>INTERNL DIVID   </titleOfClass>
    <cusip>808524672</cusip>
    <value>17574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>629</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>EMRG MKTEQ ETF  </titleOfClass>
    <cusip>808524706</cusip>
    <value>841591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14293</Sole>
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      <None>10927</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>FUNDAMENTAL US S</titleOfClass>
    <cusip>808524763</cusip>
    <value>40633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1304</Sole>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>FUNDAMENTAL US L</titleOfClass>
    <cusip>808524771</cusip>
    <value>44500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1692</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ  </titleOfClass>
    <cusip>808524797</cusip>
    <value>75376037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2761027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <otherManager>1</otherManager>
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      <Sole>2604812</Sole>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>INTL EQTY ETF   </titleOfClass>
    <cusip>808524805</cusip>
    <value>2014209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86521</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>43805</Sole>
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      <None>42716</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>US REIT ETF     </titleOfClass>
    <cusip>808524847</cusip>
    <value>35224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1633</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>987</Sole>
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      <None>646</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>INT-TRM U.S TRES</titleOfClass>
    <cusip>808524854</cusip>
    <value>13620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>542</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>SHT TM US TRES  </titleOfClass>
    <cusip>808524862</cusip>
    <value>164529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>6743</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>US TIPS ETF     </titleOfClass>
    <cusip>808524870</cusip>
    <value>5176313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>192071</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>188885</Sole>
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      <None>3186</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>INTL SCEQT ETF  </titleOfClass>
    <cusip>808524888</cusip>
    <value>118372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2601</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MATIV HOLDINGS INC            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>808541106</cusip>
    <value>532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>24</Sole>
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      <None>23</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCIENCE APPLICATIONS INTL CO  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>808625107</cusip>
    <value>70553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>708</Sole>
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      <None>2</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO         </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>810186106</cusip>
    <value>1303813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>22701</Sole>
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      <None>193</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SEA LTD                       </nameOfIssuer>
    <titleOfClass>SPONSORD ADS    </titleOfClass>
    <cusip>81141R100</cusip>
    <value>61841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>211</Sole>
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      <None>135</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEACOAST BKG CORP FLA         </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>811707801</cusip>
    <value>84413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2762</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEALED AIR CORP NEW           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>81211K100</cusip>
    <value>820438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23004</Sole>
      <Shared>0</Shared>
      <None>205</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARKS &amp; RESORTS INC    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>81282V100</cusip>
    <value>2223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>SBI MATERIALS   </titleOfClass>
    <cusip>81369Y100</cusip>
    <value>10557594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117804</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>113693</Sole>
      <Shared>0</Shared>
      <None>4111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE  </titleOfClass>
    <cusip>81369Y209</cusip>
    <value>17122642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>112003</Sole>
      <Shared>0</Shared>
      <None>11031</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>SBI CONS STPLS  </titleOfClass>
    <cusip>81369Y308</cusip>
    <value>3342402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40514</Sole>
      <Shared>0</Shared>
      <None>2135</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>SBI CONS DISCR  </titleOfClass>
    <cusip>81369Y407</cusip>
    <value>12455049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>47355</Sole>
      <Shared>0</Shared>
      <None>4619</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>ENERGY          </titleOfClass>
    <cusip>81369Y506</cusip>
    <value>36780295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>411689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>393892</Sole>
      <Shared>0</Shared>
      <None>17797</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>FINANCIAL       </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>37750965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>673200</Sole>
      <Shared>0</Shared>
      <None>27579</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>INDL            </titleOfClass>
    <cusip>81369Y704</cusip>
    <value>29030404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>180241</Sole>
      <Shared>0</Shared>
      <None>7987</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>TECHNOLOGY      </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>113033470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>401027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>384298</Sole>
      <Shared>0</Shared>
      <None>16729</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>COMMUNICATION   </titleOfClass>
    <cusip>81369Y852</cusip>
    <value>29827346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>251984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>242083</Sole>
      <Shared>0</Shared>
      <None>9901</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>RL EST SEL SEC  </titleOfClass>
    <cusip>81369Y860</cusip>
    <value>1658110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>39347</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>SBI INT-UTILS   </titleOfClass>
    <cusip>81369Y886</cusip>
    <value>4525937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>46091</Sole>
      <Shared>0</Shared>
      <None>5806</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>6857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>534</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECTIVE INS GROUP INC       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>816300107</cusip>
    <value>79205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>969</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMTECH CORP                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>816850101</cusip>
    <value>72236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1002</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>816851109</cusip>
    <value>3558349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24070</Sole>
      <Shared>0</Shared>
      <None>15476</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSIENT TECHNOLOGIES CORP    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>81725T100</cusip>
    <value>30783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>318</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSEONICS HLDGS INC          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>81727U105</cusip>
    <value>377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>865</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENTINELONE INC               </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>81730H109</cusip>
    <value>191456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10872</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERIES PORTFOLIOS TR          </nameOfIssuer>
    <titleOfClass>ELDRIDGE BBB B  </titleOfClass>
    <cusip>81752T528</cusip>
    <value>921857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34372</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>817565104</cusip>
    <value>131321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1563</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE PPTYS TR              </nameOfIssuer>
    <titleOfClass>COM SH BEN INT  </titleOfClass>
    <cusip>81761L102</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>81762P102</cusip>
    <value>89145683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>93474</Sole>
      <Shared>0</Shared>
      <None>3394</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVISFIRST BANCSHARES INC    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>81768T108</cusip>
    <value>45580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>563</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHAKE SHACK INC               </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>819047101</cusip>
    <value>29394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>312</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHENANDOAH TELECOMMUNICATION  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>82312B106</cusip>
    <value>2671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>199</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>824348106</cusip>
    <value>106482221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>307521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>297567</Sole>
      <Shared>0</Shared>
      <None>9954</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHIFT4 PMTS INC               </nameOfIssuer>
    <titleOfClass>NOTE        12/1</titleOfClass>
    <cusip>82452JAB5</cusip>
    <value>923400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHIFT4 PMTS INC               </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>82452J109</cusip>
    <value>31502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>401</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOE CARNIVAL INC             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>824889109</cusip>
    <value>3160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC                   </nameOfIssuer>
    <titleOfClass>CL A SUB VTG SHS</titleOfClass>
    <cusip>82509L107</cusip>
    <value>5603786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>36919</Sole>
      <Shared>0</Shared>
      <None>789</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHUTTERSTOCK INC              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>825690100</cusip>
    <value>13698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>646</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILICON LABORATORIES INC      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>826919102</cusip>
    <value>38946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILGAN HLDGS INC              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>827048109</cusip>
    <value>33935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>773</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QXO INC                       </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>82846H405</cusip>
    <value>16582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QXO INC                       </nameOfIssuer>
    <titleOfClass>5.50 DEP PFD    </titleOfClass>
    <cusip>82846H504</cusip>
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  <infoTable>
    <nameOfIssuer>SOUTHSTATE BK CORP            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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      <sshPrnamt>1058</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1054</Sole>
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  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO            </nameOfIssuer>
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      <sshPrnamt>23551</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>23388</Sole>
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      <None>163</None>
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  <infoTable>
    <nameOfIssuer>SOUTHWEST GAS HLDGS INC       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>844895102</cusip>
    <value>33921</value>
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      <sshPrnamt>433</sshPrnamt>
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      <Sole>433</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPIRE INC                     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>84857L101</cusip>
    <value>46874</value>
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      <sshPrnamt>575</sshPrnamt>
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    <nameOfIssuer>SPOK HLDGS INC                </nameOfIssuer>
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      <sshPrnamt>16</sshPrnamt>
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      <None>8</None>
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    <nameOfIssuer>SPROTT ASSET MANAGEMENT LP    </nameOfIssuer>
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    <value>566038</value>
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      <None>9000</None>
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    <value>33237</value>
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    <nameOfIssuer>SPROTT ASSET MANAGEMENT LP    </nameOfIssuer>
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    <nameOfIssuer>SPRINKLR INC                  </nameOfIssuer>
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    <nameOfIssuer>SPROUT SOCIAL INC             </nameOfIssuer>
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    <value>2222</value>
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      <Sole>172</Sole>
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    <nameOfIssuer>BLOCK INC                     </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>STAAR SURGICAL CO             </nameOfIssuer>
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    <value>10157</value>
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      <Sole>378</Sole>
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  <infoTable>
    <nameOfIssuer>STAG INDL INC                 </nameOfIssuer>
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    <nameOfIssuer>STANDARD LITHIUM LTD          </nameOfIssuer>
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      <Sole>2217</Sole>
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      <None>0</None>
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    <nameOfIssuer>STANDARD MTR PRODS INC        </nameOfIssuer>
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      <Sole>190</Sole>
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      <None>7</None>
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    <nameOfIssuer>STANDARDAERO INC              </nameOfIssuer>
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    <nameOfIssuer>STANDEX INTL CORP             </nameOfIssuer>
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    <nameOfIssuer>STANDEX INTL CORP             </nameOfIssuer>
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    <nameOfIssuer>STATE STR CORP                </nameOfIssuer>
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    <value>8004342</value>
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    <nameOfIssuer>STEEL DYNAMICS INC            </nameOfIssuer>
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    <nameOfIssuer>STEELCASE INC                 </nameOfIssuer>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>858586100</cusip>
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    <nameOfIssuer>STELLAR BANCORP INC           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>858927106</cusip>
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    <nameOfIssuer>STERLING INFRASTRUCTURE INC   </nameOfIssuer>
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    <nameOfIssuer>STEWART INFORMATION SVCS COR  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>860372101</cusip>
    <value>7699</value>
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    <titleOfClass>COM             </titleOfClass>
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    <titleOfClass>COM             </titleOfClass>
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  <infoTable>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>861896108</cusip>
    <value>27147</value>
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      <sshPrnamt>269</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>STRATEGIC ED INC              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>86272C103</cusip>
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      <sshPrnamt>222</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>220</Sole>
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  <infoTable>
    <nameOfIssuer>STRIDE INC                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>86333M108</cusip>
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      <sshPrnamt>247</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>241</Sole>
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      <None>6</None>
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  <infoTable>
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    <cusip>898202106</cusip>
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      <sshPrnamt>269</sshPrnamt>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>912008109</cusip>
    <value>204882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2674</sshPrnamt>
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    <nameOfIssuer>UNITED STS OIL FD LP          </nameOfIssuer>
    <titleOfClass>UNITS           </titleOfClass>
    <cusip>91232N207</cusip>
    <value>73750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>UNITI GROUP LLC               </nameOfIssuer>
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    <cusip>912932100</cusip>
    <value>11757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1921</sshPrnamt>
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      <Sole>1895</Sole>
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      <None>26</None>
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    <nameOfIssuer>UNITED THERAPEUTICS CORP DEL  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>91307C102</cusip>
    <value>192417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>459</sshPrnamt>
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      <Sole>451</Sole>
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      <None>8</None>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>91324P102</cusip>
    <value>104596895</value>
    <shrsOrPrnAmt>
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      <Sole>280277</Sole>
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      <None>22639</None>
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    <nameOfIssuer>UNITIL CORP                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>913259107</cusip>
    <value>5408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNIVERSAL CORP VA             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>913456109</cusip>
    <value>9219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>UNIVERSAL DISPLAY CORP        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>91347P105</cusip>
    <value>63772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>444</sshPrnamt>
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      <Sole>430</Sole>
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      <None>14</None>
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    <nameOfIssuer>UNIVERSAL HEALTH RLTY INCOME  </nameOfIssuer>
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    <cusip>91359E105</cusip>
    <value>4661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>112</Sole>
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      <None>7</None>
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    <nameOfIssuer>UNIVERSAL INS HLDGS INC       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>91359V107</cusip>
    <value>815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>24</Sole>
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      <None>7</None>
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    <nameOfIssuer>UNIVERSAL HLTH SVCS INC       </nameOfIssuer>
    <titleOfClass>CL B            </titleOfClass>
    <cusip>913903100</cusip>
    <value>296847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1452</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1302</Sole>
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      <None>150</None>
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  <infoTable>
    <nameOfIssuer>UNUM GROUP                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>91529Y106</cusip>
    <value>170572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2193</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2154</Sole>
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      <None>39</None>
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    <nameOfIssuer>UPSTART HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>91680M107</cusip>
    <value>30480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>600</Sole>
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      <None>0</None>
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    <nameOfIssuer>UPWORK INC                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>91688F104</cusip>
    <value>32572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1754</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1741</Sole>
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      <None>13</None>
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    <nameOfIssuer>URBAN EDGE PPTYS              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>91704F104</cusip>
    <value>17850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>872</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>847</Sole>
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      <None>25</None>
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  <infoTable>
    <nameOfIssuer>URBAN OUTFITTERS INC          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>917047102</cusip>
    <value>36072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>505</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>500</Sole>
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      <None>5</None>
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  <infoTable>
    <nameOfIssuer>V F CORP                      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>918204108</cusip>
    <value>161486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11191</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>11162</Sole>
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      <None>29</None>
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  <infoTable>
    <nameOfIssuer>VSE CORP                      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>918284100</cusip>
    <value>333477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2006</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1977</Sole>
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      <None>29</None>
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    <nameOfIssuer>VAIL RESORTS INC              </nameOfIssuer>
    <titleOfClass>NOTE         1/0</titleOfClass>
    <cusip>91879QAN9</cusip>
    <value>1084600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>11000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VAIL RESORTS INC              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>91879Q109</cusip>
    <value>48461</value>
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      <sshPrnamt>324</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>320</Sole>
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      <None>4</None>
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    <nameOfIssuer>VALE S A                      </nameOfIssuer>
    <titleOfClass>SPONSORED ADS   </titleOfClass>
    <cusip>91912E105</cusip>
    <value>192255</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>17703</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>2699983</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>15614</Sole>
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      <None>244</None>
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    <nameOfIssuer>VALLEY NATL BANCORP           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>919794107</cusip>
    <value>36612</value>
    <shrsOrPrnAmt>
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      <Sole>3390</Sole>
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    <nameOfIssuer>VALMONT INDS INC              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>920253101</cusip>
    <value>1707175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4403</sshPrnamt>
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      <Sole>4359</Sole>
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    <nameOfIssuer>VALVOLINE INC                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92047W101</cusip>
    <value>55517</value>
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      <sshPrnamt>1546</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>14</None>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST              </nameOfIssuer>
    <titleOfClass>GOLD MINERS ETF </titleOfClass>
    <cusip>92189F106</cusip>
    <value>66239</value>
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      <sshPrnamt>867</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>867</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANECK ETF TRUST              </nameOfIssuer>
    <titleOfClass>LOW CARBN ENERGY</titleOfClass>
    <cusip>92189F502</cusip>
    <value>21092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST              </nameOfIssuer>
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    <cusip>92189F536</cusip>
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      <None>12500</None>
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    <titleOfClass>ISRAEL ETF      </titleOfClass>
    <cusip>92189F635</cusip>
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      <Sole>1200</Sole>
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    <cusip>92189F676</cusip>
    <value>97908</value>
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      <Sole>300</Sole>
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    <titleOfClass>JP MRGAN EM LOC </titleOfClass>
    <cusip>92189H300</cusip>
    <value>995</value>
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    <cusip>92189H409</cusip>
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      <None>1153</None>
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    <titleOfClass>AA BB CLO ETF   </titleOfClass>
    <cusip>92189H656</cusip>
    <value>3926</value>
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      <Sole>77</Sole>
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    <titleOfClass>CLO ETF         </titleOfClass>
    <cusip>92189H748</cusip>
    <value>19913</value>
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      <sshPrnamt>375</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>375</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS    </nameOfIssuer>
    <titleOfClass>DIV APP ETF     </titleOfClass>
    <cusip>921908844</cusip>
    <value>109211751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>506102</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>493371</Sole>
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      <None>12731</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD STAR FDS             </nameOfIssuer>
    <titleOfClass>VG TL INTL STK F</titleOfClass>
    <cusip>921909768</cusip>
    <value>366786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4993</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>4800</Sole>
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      <None>193</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>EXTENDED DUR    </titleOfClass>
    <cusip>921910709</cusip>
    <value>1027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>ESG INTL STK ETF</titleOfClass>
    <cusip>921910725</cusip>
    <value>25043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>361</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>ESG US STK ETF  </titleOfClass>
    <cusip>921910733</cusip>
    <value>58272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>492</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>MEGA GRWTH IND  </titleOfClass>
    <cusip>921910816</cusip>
    <value>141249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>351</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>MEGA CAP INDEX  </titleOfClass>
    <cusip>921910873</cusip>
    <value>536998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC      </nameOfIssuer>
    <titleOfClass>500 GRTH IDX F  </titleOfClass>
    <cusip>921932505</cusip>
    <value>549551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>842</Sole>
      <Shared>0</Shared>
      <None>420</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC      </nameOfIssuer>
    <titleOfClass>SMLCP 600 GRTH  </titleOfClass>
    <cusip>921932794</cusip>
    <value>223430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1835</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC      </nameOfIssuer>
    <titleOfClass>MIDCP 400 VAL   </titleOfClass>
    <cusip>921932844</cusip>
    <value>112661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS         </nameOfIssuer>
    <titleOfClass>INTERMED TERM   </titleOfClass>
    <cusip>921937819</cusip>
    <value>10487877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>132530</Sole>
      <Shared>0</Shared>
      <None>1775</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS         </nameOfIssuer>
    <titleOfClass>SHORT TRM BOND  </titleOfClass>
    <cusip>921937827</cusip>
    <value>68137996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>863490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>856964</Sole>
      <Shared>0</Shared>
      <None>6526</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS         </nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT  </titleOfClass>
    <cusip>921937835</cusip>
    <value>9789323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>126743</Sole>
      <Shared>0</Shared>
      <None>4887</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS      </nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>185508186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3095931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3038920</Sole>
      <Shared>0</Shared>
      <None>57011</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS        </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD    </titleOfClass>
    <cusip>921946406</cusip>
    <value>2209109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12959</Sole>
      <Shared>0</Shared>
      <None>2714</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS        </nameOfIssuer>
    <titleOfClass>INTL HIGH ETF   </titleOfClass>
    <cusip>921946794</cusip>
    <value>338720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS        </nameOfIssuer>
    <titleOfClass>INTL DVD ETF    </titleOfClass>
    <cusip>921946810</cusip>
    <value>379239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>84</Sole>
      <Shared>0</Shared>
      <None>4150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS          </nameOfIssuer>
    <titleOfClass>STRM INFPROIDX  </titleOfClass>
    <cusip>922020805</cusip>
    <value>49719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>899</Sole>
      <Shared>0</Shared>
      <None>83</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD CHARLOTTE FDS        </nameOfIssuer>
    <titleOfClass>TOTAL INT BD ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>1967865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>39304</Sole>
      <Shared>0</Shared>
      <None>483</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF  </titleOfClass>
    <cusip>92204A108</cusip>
    <value>1942720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4879</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF  </titleOfClass>
    <cusip>92204A207</cusip>
    <value>517227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2290</Sole>
      <Shared>0</Shared>
      <None>130</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>ENERGY ETF      </titleOfClass>
    <cusip>92204A306</cusip>
    <value>4782680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>37818</Sole>
      <Shared>0</Shared>
      <None>182</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>FINANCIALS ETF  </titleOfClass>
    <cusip>92204A405</cusip>
    <value>12028933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>89655</Sole>
      <Shared>0</Shared>
      <None>2001</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF  </titleOfClass>
    <cusip>92204A504</cusip>
    <value>5435245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20745</Sole>
      <Shared>0</Shared>
      <None>192</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF  </titleOfClass>
    <cusip>92204A603</cusip>
    <value>1685594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5689</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>INF TECH ETF    </titleOfClass>
    <cusip>92204A702</cusip>
    <value>35338745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>45781</Sole>
      <Shared>0</Shared>
      <None>1550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>MATERIALS ETF   </titleOfClass>
    <cusip>92204A801</cusip>
    <value>462574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2258</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>UTILITIES ETF   </titleOfClass>
    <cusip>92204A876</cusip>
    <value>2558171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13182</Sole>
      <Shared>0</Shared>
      <None>324</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>COMM SRVC ETF   </titleOfClass>
    <cusip>92204A884</cusip>
    <value>2444996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13024</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F  </nameOfIssuer>
    <titleOfClass>GLB EX US ETF   </titleOfClass>
    <cusip>922042676</cusip>
    <value>9643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>202</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F  </nameOfIssuer>
    <titleOfClass>FTSE SMCAP ETF  </titleOfClass>
    <cusip>922042718</cusip>
    <value>7698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>54</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F  </nameOfIssuer>
    <titleOfClass>TT WRLD ST ETF  </titleOfClass>
    <cusip>922042742</cusip>
    <value>13807560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>99176</Sole>
      <Shared>0</Shared>
      <None>1024</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F  </nameOfIssuer>
    <titleOfClass>ALLWRLD EX US   </titleOfClass>
    <cusip>922042775</cusip>
    <value>32386635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>453785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>376998</Sole>
      <Shared>0</Shared>
      <None>76787</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F  </nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>93086116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1718090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1566648</Sole>
      <Shared>0</Shared>
      <None>151442</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F  </nameOfIssuer>
    <titleOfClass>FTSE EUROPE ETF </titleOfClass>
    <cusip>922042874</cusip>
    <value>394611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>92206C102</cusip>
    <value>173902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2754</Sole>
      <Shared>0</Shared>
      <None>201</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>374872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>704</Sole>
      <Shared>0</Shared>
      <None>3986</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX  </titleOfClass>
    <cusip>92206C664</cusip>
    <value>198086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2025</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW  </titleOfClass>
    <cusip>92206C680</cusip>
    <value>73296897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>608273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>562397</Sole>
      <Shared>0</Shared>
      <None>45876</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS</titleOfClass>
    <cusip>92206C706</cusip>
    <value>111836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1863</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL  </titleOfClass>
    <cusip>92206C714</cusip>
    <value>244784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2739</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>VNG RUS1000IDX  </titleOfClass>
    <cusip>92206C730</cusip>
    <value>526089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
    <cusip>92206C771</cusip>
    <value>99180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1916</Sole>
      <Shared>0</Shared>
      <None>196</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>LG-TERM COR BD  </titleOfClass>
    <cusip>92206C813</cusip>
    <value>43795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>564</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>LONG TERM TREAS </titleOfClass>
    <cusip>92206C847</cusip>
    <value>48615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>855</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>INT-TERM CORP   </titleOfClass>
    <cusip>92206C870</cusip>
    <value>514837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5754</Sole>
      <Shared>0</Shared>
      <None>367</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VAREX IMAGING CORP            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92214X106</cusip>
    <value>2207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VARONIS SYS INC               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>922280102</cusip>
    <value>2874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>46</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEECO INSTRS INC DEL          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>922417100</cusip>
    <value>27235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>888</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                 </nameOfIssuer>
    <titleOfClass>CL A COM        </titleOfClass>
    <cusip>922475108</cusip>
    <value>2418433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8069</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92276F100</cusip>
    <value>3026298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>42553</Sole>
      <Shared>0</Shared>
      <None>686</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS           </nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD   </titleOfClass>
    <cusip>922907746</cusip>
    <value>353945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6690</Sole>
      <Shared>0</Shared>
      <None>379</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS </titleOfClass>
    <cusip>922908363</cusip>
    <value>356347596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>581906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>564998</Sole>
      <Shared>0</Shared>
      <None>16908</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP  </titleOfClass>
    <cusip>922908512</cusip>
    <value>14493806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>81702</Sole>
      <Shared>0</Shared>
      <None>1319</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP  </titleOfClass>
    <cusip>922908538</cusip>
    <value>13853667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>45242</Sole>
      <Shared>0</Shared>
      <None>1913</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF </titleOfClass>
    <cusip>922908553</cusip>
    <value>139519170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1526134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1479772</Sole>
      <Shared>0</Shared>
      <None>46362</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>SML CP GRW ETF  </titleOfClass>
    <cusip>922908595</cusip>
    <value>20549768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>67379</Sole>
      <Shared>0</Shared>
      <None>1668</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>SM CP VAL ETF   </titleOfClass>
    <cusip>922908611</cusip>
    <value>17757882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>83239</Sole>
      <Shared>0</Shared>
      <None>1845</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>MID CAP ETF     </titleOfClass>
    <cusip>922908629</cusip>
    <value>124409465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>423536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>413470</Sole>
      <Shared>0</Shared>
      <None>10066</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>LARGE CAP ETF   </titleOfClass>
    <cusip>922908637</cusip>
    <value>89179346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>289675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>276643</Sole>
      <Shared>0</Shared>
      <None>13032</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>EXTEND MKT ETF  </titleOfClass>
    <cusip>922908652</cusip>
    <value>270257940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1291000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1235605</Sole>
      <Shared>0</Shared>
      <None>55395</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>GROWTH ETF      </titleOfClass>
    <cusip>922908736</cusip>
    <value>95290354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>192464</Sole>
      <Shared>0</Shared>
      <None>6219</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>VALUE ETF       </titleOfClass>
    <cusip>922908744</cusip>
    <value>52134212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>279555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>273709</Sole>
      <Shared>0</Shared>
      <None>5846</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>SMALL CP ETF    </titleOfClass>
    <cusip>922908751</cusip>
    <value>78809509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>309932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>300670</Sole>
      <Shared>0</Shared>
      <None>9262</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT   </titleOfClass>
    <cusip>922908769</cusip>
    <value>97131428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>293249</Sole>
      <Shared>0</Shared>
      <None>2730</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERACYTE INC                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92337F107</cusip>
    <value>15723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>458</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERA THERAPEUTICS INC         </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>92337R101</cusip>
    <value>125830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERALTO CORP                  </nameOfIssuer>
    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>92338C103</cusip>
    <value>4527727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40545</Sole>
      <Shared>0</Shared>
      <None>1925</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISIGN INC                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92343E102</cusip>
    <value>1282667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4485</Sole>
      <Shared>0</Shared>
      <None>103</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92343V104</cusip>
    <value>18356025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>417657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>399550</Sole>
      <Shared>0</Shared>
      <None>18107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERINT SYS INC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92343X100</cusip>
    <value>830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>41</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92345Y106</cusip>
    <value>2399405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9234</Sole>
      <Shared>0</Shared>
      <None>306</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERITEX HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>923451108</cusip>
    <value>14418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>418</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERICEL CORP                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92346J108</cusip>
    <value>43617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1375</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERRA MOBILITY CORP           </nameOfIssuer>
    <titleOfClass>CL A COM STK    </titleOfClass>
    <cusip>92511U102</cusip>
    <value>18056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>722</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92532F100</cusip>
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    <nameOfIssuer>WHITESTONE REIT               </nameOfIssuer>
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      <Sole>92</Sole>
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    <nameOfIssuer>WILEY JOHN &amp; SONS INC         </nameOfIssuer>
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      <Sole>295</Sole>
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      <None>0</None>
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    <nameOfIssuer>WILLIAMS COS INC              </nameOfIssuer>
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    <nameOfIssuer>WILLIAMS SONOMA INC           </nameOfIssuer>
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    <nameOfIssuer>WILLSCOT HLDGS CORP           </nameOfIssuer>
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    <nameOfIssuer>WINGSTOP INC                  </nameOfIssuer>
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    <nameOfIssuer>WINTRUST FINL CORP            </nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR                 </nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR                 </nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR                 </nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR                 </nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR                 </nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR                 </nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR                 </nameOfIssuer>
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    <titleOfClass>COM             </titleOfClass>
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</SEC-DOCUMENT>
