<SEC-DOCUMENT>0001532155-22-000101.txt : 20220513
<SEC-HEADER>0001532155-22-000101.hdr.sgml : 20220513
<ACCEPTANCE-DATETIME>20220513135307
ACCESSION NUMBER:		0001532155-22-000101
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20220331
FILED AS OF DATE:		20220513
DATE AS OF CHANGE:		20220513
EFFECTIVENESS DATE:		20220513

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Equitable Holdings, Inc.
		CENTRAL INDEX KEY:			0001333986
		STANDARD INDUSTRIAL CLASSIFICATION:	INSURANCE AGENTS BROKERS & SERVICES [6411]
		IRS NUMBER:				585512450
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-19172
		FILM NUMBER:		22921715

	BUSINESS ADDRESS:	
		STREET 1:		1290 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10104
		BUSINESS PHONE:		(212) 554-1234

	MAIL ADDRESS:	
		STREET 1:		1290 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10104

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AXA Equitable Holdings, Inc.
		DATE OF NAME CHANGE:	20171107

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AXA AMERICA HOLDINGS, INC.
		DATE OF NAME CHANGE:	20050722
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      <periodOfReport>03-31-2022</periodOfReport>
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        <name>Equitable Holdings, Inc.</name>
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          <com:street1>1290 AVENUE OF THE AMERICAS</com:street1>
          <com:city>NEW YORK</com:city>
          <com:stateOrCountry>NY</com:stateOrCountry>
          <com:zipCode>10104</com:zipCode>
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      <additionalInformation>All media outlets, please contact Isil Muderrisoglu (212-314-2476) with any questions.</additionalInformation>
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    <signatureBlock>
      <name>Anthony Bruccoleri</name>
      <title>Lead Director, Equitable Life Insurance Company</title>
      <phone>201-743-5046</phone>
      <signature>Anthony Bruccoleri</signature>
      <city>Charlotte</city>
      <stateOrCountry>NC</stateOrCountry>
      <signatureDate>05-10-2022</signatureDate>
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    <value>267</value>
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    <nameOfIssuer>BNY MELLON STRATEGIC MUNS IN</nameOfIssuer>
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    <cusip>084670702</cusip>
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    <cusip>09254Y109</cusip>
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    <otherManager>10</otherManager>
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      <Sole>20431</Sole>
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      <None>0</None>
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    <nameOfIssuer>BRIDGE INVT GROUP HLDGS INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>10806B100</cusip>
    <value>664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32650</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>BRIGHTSPIRE CAPITAL INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>10949T109</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11430</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>5490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75174</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>75174</Sole>
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      <None>0</None>
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    <nameOfIssuer>BRITISH AMERN TOB PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>110448107</cusip>
    <value>1387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32900</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32900</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>2315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3677</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3677</Sole>
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      <None>0</None>
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    <nameOfIssuer>BYLINE BANCORP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>124411109</cusip>
    <value>213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8000</Sole>
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      <None>0</None>
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    <nameOfIssuer>CBRE GBL REAL ESTATE INC FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12504G100</cusip>
    <value>152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CIGNA CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>125523100</cusip>
    <value>267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1114</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>1118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>1804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17822</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>17822</Sole>
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      <None>0</None>
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    <nameOfIssuer>CALAMOS GBL DYN INCOME FUND</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12811L107</cusip>
    <value>140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15713</Sole>
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      <None>0</None>
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    <nameOfIssuer>CAMBRIA ETF TR</nameOfIssuer>
    <titleOfClass>SHSHLD YIELD ETF</titleOfClass>
    <cusip>132061201</cusip>
    <value>904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14145</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>14145</Sole>
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      <None>0</None>
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    <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>8025</Sole>
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      <None>0</None>
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    <nameOfIssuer>CARLYLE GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14316J108</cusip>
    <value>803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16420</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>16420</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CASELLA WASTE SYS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>147448104</cusip>
    <value>257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2929</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CASEYS GEN STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>147528103</cusip>
    <value>305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1540</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>1923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8629</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8629</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY PARTNERS LP</nameOfIssuer>
    <titleOfClass>COM UNIT</titleOfClass>
    <cusip>16411Q101</cusip>
    <value>267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4732</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4732</Sole>
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      <None>0</None>
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    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>5273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32381</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>32381</Sole>
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      <None>0</None>
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    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>169656105</cusip>
    <value>484</value>
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      <sshPrnamt>306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>306</Sole>
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      <None>0</None>
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    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
    <value>2527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45325</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>45325</Sole>
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      <None>0</None>
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    <nameOfIssuer>CINTAS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>172908105</cusip>
    <value>716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1683</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1683</Sole>
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      <None>0</None>
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    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>172967424</cusip>
    <value>2446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45804</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>45804</Sole>
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      <None>0</None>
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    <nameOfIssuer>CLEVELAND-CLIFFS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>185899101</cusip>
    <value>306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9506</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>9506</Sole>
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      <None>0</None>
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    <nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>189054109</cusip>
    <value>367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2643</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>2643</Sole>
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      <None>0</None>
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    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>191216100</cusip>
    <value>4705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75895</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>75895</Sole>
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      <None>0</None>
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    <nameOfIssuer>COHEN &amp; STEERS QUALITY INCOM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>19247L106</cusip>
    <value>1048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62619</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>62619</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COINBASE GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>19260Q107</cusip>
    <value>693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3649</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>3649</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>194162103</cusip>
    <value>579</value>
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      <sshPrnamt>7636</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>7636</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLUMBIA ETF TR I</nameOfIssuer>
    <titleOfClass>DIVERSIFID FXD</titleOfClass>
    <cusip>19761L508</cusip>
    <value>1386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71118</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>71118</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COLUMBIA ETF TR I</nameOfIssuer>
    <titleOfClass>MULTI SEC MUNI</titleOfClass>
    <cusip>19761L607</cusip>
    <value>239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>11414</Sole>
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    <nameOfIssuer>COLUMBIA ETF TR II</nameOfIssuer>
    <titleOfClass>INDIA CONSMR ETF</titleOfClass>
    <cusip>19762B707</cusip>
    <value>238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4808</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>4808</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>20030N101</cusip>
    <value>1272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27167</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>27167</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COMPASS DIVERSIFIED</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>20451Q104</cusip>
    <value>570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>205887102</cusip>
    <value>2722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81085</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>81085</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
    <value>958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9578</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>209115104</cusip>
    <value>667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7047</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7047</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>21036P108</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>955</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORNING INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>219350105</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6289</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22052L104</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4026</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4026</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
    <value>2592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4502</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWDSTRIKE HLDGS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>22788C105</cusip>
    <value>393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1731</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>228368106</cusip>
    <value>742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5928</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>231021106</cusip>
    <value>291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DBX ETF TR</nameOfIssuer>
    <titleOfClass>XTRACK MSCI EAFE</titleOfClass>
    <cusip>233051200</cusip>
    <value>246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DNP SELECT INCOME FD INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23325P104</cusip>
    <value>488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>41299</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>D R HORTON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23331A109</cusip>
    <value>1301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17463</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DTE ENERGY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>233331107</cusip>
    <value>265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2006</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>235851102</cusip>
    <value>740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2524</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>244199105</cusip>
    <value>567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELTA AIR LINES INC DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>247361702</cusip>
    <value>965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24391</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25179M103</cusip>
    <value>233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3941</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1636</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253868103</cusip>
    <value>3172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US EQUITY ETF</titleOfClass>
    <cusip>25434V401</cusip>
    <value>10360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>211351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>211351</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US SMALL CAP ETF</titleOfClass>
    <cusip>25434V500</cusip>
    <value>1254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22372</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US TARGETED VLU</titleOfClass>
    <cusip>25434V609</cusip>
    <value>3749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>80490</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>19445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>705032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>705032</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>INTERNATNAL VAL</titleOfClass>
    <cusip>25434V807</cusip>
    <value>2539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>75824</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>WORLD EX US CORE</titleOfClass>
    <cusip>25434V880</cusip>
    <value>6488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>260053</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>7352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>53602</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256163106</cusip>
    <value>625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256677105</cusip>
    <value>989</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4443</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7663</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOUBLELINE INCOME SOLUTIONS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>258622109</cusip>
    <value>263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18099</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>1086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17036</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
    <value>296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>DEFIANCE NEXT</titleOfClass>
    <cusip>26922A289</cusip>
    <value>366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9737</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>US GLB JETS</titleOfClass>
    <cusip>26922A842</cusip>
    <value>6020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>276676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>276676</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETFIS SER TR I</nameOfIssuer>
    <titleOfClass>INFRAC ACT MLP</titleOfClass>
    <cusip>26923G772</cusip>
    <value>2472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>82017</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETFIS SER TR I</nameOfIssuer>
    <titleOfClass>VIRTUS INFRCAP</titleOfClass>
    <cusip>26923G822</cusip>
    <value>2018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>83817</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF MANAGERS TR</nameOfIssuer>
    <titleOfClass>PRIME CYBR SCRTY</titleOfClass>
    <cusip>26924G201</cusip>
    <value>251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF MANAGERS TR</nameOfIssuer>
    <titleOfClass>PRIME MOBILE PAY</titleOfClass>
    <cusip>26924G409</cusip>
    <value>1358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26048</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF MANAGERS TR</nameOfIssuer>
    <titleOfClass>ETFMG ALTR HRVST</titleOfClass>
    <cusip>26924G508</cusip>
    <value>553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>53362</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF MANAGERS TR</nameOfIssuer>
    <titleOfClass>AI POWERED EQT</titleOfClass>
    <cusip>26924G813</cusip>
    <value>222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6025</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTMAN CHEM CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>277432100</cusip>
    <value>215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1919</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EATON VANCE TAX-MANAGED DIVE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27828N102</cusip>
    <value>409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29252</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EATON VANCE TAX-MANAGED GLOB</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27829C105</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27837</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278642103</cusip>
    <value>218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3815</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>28176E108</cusip>
    <value>2240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19025</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>285512109</cusip>
    <value>307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29250N105</cusip>
    <value>655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14207</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
    <titleOfClass>COM UT LTD PTN</titleOfClass>
    <cusip>29273V100</cusip>
    <value>436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>38940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29364G103</cusip>
    <value>262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2248</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293792107</cusip>
    <value>5389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>208776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>208776</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENTRAVISION COMMUNICATIONS C</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>29382R107</cusip>
    <value>236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EQUINIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29444U700</cusip>
    <value>2107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2841</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITABLE HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29452E101</cusip>
    <value>484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15673</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EURONET WORLDWIDE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>298736109</cusip>
    <value>586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXCHANGE TRADED CONCEPTS TR</nameOfIssuer>
    <titleOfClass>ROBO GLB ETF</titleOfClass>
    <cusip>301505707</cusip>
    <value>360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXCHANGE TRADED CONCEPTS TR</nameOfIssuer>
    <titleOfClass>NORTH SHOR GBL</titleOfClass>
    <cusip>301505715</cusip>
    <value>1181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXCHANGE TRADED CONCEPTS TR</nameOfIssuer>
    <titleOfClass>EMQQ EM INTERN</titleOfClass>
    <cusip>301505889</cusip>
    <value>429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13085</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXELON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30161N101</cusip>
    <value>348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>3415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>41347</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FS KKR CAP CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>302635206</cusip>
    <value>2605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>114149</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>30303M102</cusip>
    <value>10380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>46681</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>1949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8423</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI CONSM DIS</titleOfClass>
    <cusip>316092204</cusip>
    <value>585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7402</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI ENERGY IDX</titleOfClass>
    <cusip>316092402</cusip>
    <value>620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29596</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI HLTH CARE I</titleOfClass>
    <cusip>316092600</cusip>
    <value>265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4034</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI INFO TECH I</titleOfClass>
    <cusip>316092808</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1641</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1641</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>32054K103</cusip>
    <value>805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12999</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST REP BK SAN FRANCISCO C</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>33616C100</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1744</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR MORNINGSTAR DIVID L</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>336917109</cusip>
    <value>2520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>67319</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>US EQTY OPPT ETF</titleOfClass>
    <cusip>336920103</cusip>
    <value>781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>WTR ETF</titleOfClass>
    <cusip>33733B100</cusip>
    <value>369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4378</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>10664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>136374</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NY ARCA BIOTECH</titleOfClass>
    <cusip>33733E203</cusip>
    <value>620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4157</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>2991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15920</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>927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14339</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>337344105</cusip>
    <value>1968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR NASDAQ 100 TECH IND</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>337345102</cusip>
    <value>285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1867</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>33734H106</cusip>
    <value>26041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>615622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>615622</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>FINLS ALPHADEX</titleOfClass>
    <cusip>33734X135</cusip>
    <value>425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>HLTH CARE ALPH</titleOfClass>
    <cusip>33734X143</cusip>
    <value>310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2702</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>379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5285</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>2757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30452</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>4971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>93606</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>INTL EQUITY OPP</titleOfClass>
    <cusip>33734X853</cusip>
    <value>501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10274</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR SML CP CORE ALPHA F</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33734Y109</cusip>
    <value>401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4377</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR MID CAP CORE ALPHAD</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33735B108</cusip>
    <value>249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR LRG CP VL ALPHADEX</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33735J101</cusip>
    <value>211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TRUST LRGCP GWT ALPHAD</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33735K108</cusip>
    <value>881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8259</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR STOXX EUROPEAN SELE</nameOfIssuer>
    <titleOfClass>COMMON SHS</titleOfClass>
    <cusip>33735T109</cusip>
    <value>459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34550</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>271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13733</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>LATIN AMER ALP</titleOfClass>
    <cusip>33737J125</cusip>
    <value>327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15797</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>EM SML CP ALPH</titleOfClass>
    <cusip>33737J307</cusip>
    <value>960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23634</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>INDXX NEXTG ETF</titleOfClass>
    <cusip>33737K205</cusip>
    <value>537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7070</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
    <titleOfClass>MID CP GR ALPH</titleOfClass>
    <cusip>33737M102</cusip>
    <value>1053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15796</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
    <titleOfClass>SML CP GRW ALP</titleOfClass>
    <cusip>33737M300</cusip>
    <value>378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5537</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NO AMER ENERGY</titleOfClass>
    <cusip>33738D101</cusip>
    <value>469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SENIOR LN FD</titleOfClass>
    <cusip>33738D309</cusip>
    <value>725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15399</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FIRST TR TA HIYL</titleOfClass>
    <cusip>33738D408</cusip>
    <value>392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8569</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>1724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29246</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>30866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>629917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>629917</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>DORSEY WRT 5 ETF</titleOfClass>
    <cusip>33738R605</cusip>
    <value>2327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>48832</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>PFD SECS INC ETF</titleOfClass>
    <cusip>33739E108</cusip>
    <value>9979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>524667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>524667</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>MNGD FUTRS STRGY</titleOfClass>
    <cusip>33739G103</cusip>
    <value>347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7113</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
    <titleOfClass>FST TR GLB FD</titleOfClass>
    <cusip>33739H101</cusip>
    <value>1257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>44220</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>4373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>82424</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>MUNI HI INCM ETF</titleOfClass>
    <cusip>33739P301</cusip>
    <value>888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17345</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>INSTL PFD SECS</titleOfClass>
    <cusip>33739P855</cusip>
    <value>302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15584</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FST LOW OPPT EFT</titleOfClass>
    <cusip>33739Q200</cusip>
    <value>1127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23021</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FIRST TR ENH NEW</titleOfClass>
    <cusip>33739Q408</cusip>
    <value>855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SSI STRG ETF</titleOfClass>
    <cusip>33739Q507</cusip>
    <value>375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9677</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9677</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>TCW OPPORTUNIS</titleOfClass>
    <cusip>33740F805</cusip>
    <value>3913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>78927</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>ULTRA SHT DUR MU</titleOfClass>
    <cusip>33740J104</cusip>
    <value>785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>39330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>TCW SECURITIZED</titleOfClass>
    <cusip>33740U109</cusip>
    <value>1562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>64694</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
    <titleOfClass>ALT ABSLT STRG</titleOfClass>
    <cusip>33740Y101</cusip>
    <value>609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17979</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SMID RISNG ETF</titleOfClass>
    <cusip>33741X102</cusip>
    <value>697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25006</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>INDXX INOVTV ETF</titleOfClass>
    <cusip>33741X201</cusip>
    <value>624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337738108</cusip>
    <value>2750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27116</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337932107</cusip>
    <value>331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7209</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>2732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>161557</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>LIBERTY US ETF</titleOfClass>
    <cusip>35473P504</cusip>
    <value>446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9071</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>LIBERTYQ US EQT</titleOfClass>
    <cusip>35473P801</cusip>
    <value>3709</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>82607</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>LIBERTYQ US MID</titleOfClass>
    <cusip>35473P884</cusip>
    <value>494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10978</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>35671D857</cusip>
    <value>236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4746</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GABELLI EQUITY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>362397101</cusip>
    <value>177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GABELLI CONV &amp; INC SECS FD I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36240B109</cusip>
    <value>468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>76500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>363576109</cusip>
    <value>272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1557</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>2636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7711</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10767</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>2480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>56703</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>2836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>47708</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GINKGO BIOWORKS HOLDINGS INC</nameOfIssuer>
    <titleOfClass>CL A SHS</titleOfClass>
    <cusip>37611X100</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12199</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLAXOSMITHKLINE PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>37733W105</cusip>
    <value>1154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26501</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>GLB X MLP ENRG I</titleOfClass>
    <cusip>37954Y293</cusip>
    <value>372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8711</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 COVERED</titleOfClass>
    <cusip>37954Y475</cusip>
    <value>229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4628</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>NASDAQ 100 COVER</titleOfClass>
    <cusip>37954Y483</cusip>
    <value>699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33332</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>33332</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>ARTIFICIAL ETF</titleOfClass>
    <cusip>37954Y632</cusip>
    <value>257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9523</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>9523</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>US PFD ETF</titleOfClass>
    <cusip>37954Y657</cusip>
    <value>1725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73403</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>73403</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>US INFR DEV ETF</titleOfClass>
    <cusip>37954Y673</cusip>
    <value>2657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93946</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>93946</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>RBTCS ARTFL INTE</titleOfClass>
    <cusip>37954Y715</cusip>
    <value>756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26074</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>26074</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>GLOBAL X SILVER</titleOfClass>
    <cusip>37954Y848</cusip>
    <value>351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>9650</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>LITHIUM BTRY ETF</titleOfClass>
    <cusip>37954Y855</cusip>
    <value>714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9270</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9270</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>4475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13556</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVEBETA INT</titleOfClass>
    <cusip>381430107</cusip>
    <value>8647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>264183</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACCESS INVT GR</titleOfClass>
    <cusip>381430479</cusip>
    <value>229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4600</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVEBETA US LG</titleOfClass>
    <cusip>381430503</cusip>
    <value>6980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>78387</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACCES TREASURY</titleOfClass>
    <cusip>381430529</cusip>
    <value>2139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21405</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS BDC INC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>38147U107</cusip>
    <value>340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17344</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS PHYSICAL GOLD</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
    <cusip>38150K103</cusip>
    <value>2337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>121512</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>384802104</cusip>
    <value>486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>943</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAPHIC PACKAGING HLDG CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>388689101</cusip>
    <value>835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>41690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GUGGENHEIM STRATEGIC OPPORTU</nameOfIssuer>
    <titleOfClass>COM SBI</titleOfClass>
    <cusip>40167F101</cusip>
    <value>292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HAYWARD HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>421298100</cusip>
    <value>748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>45000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427866108</cusip>
    <value>4383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20233</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>43300A203</cusip>
    <value>864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5692</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>4379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14628</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>438516106</cusip>
    <value>4369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>446150104</cusip>
    <value>157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10765</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICAHN ENTERPRISES LP</nameOfIssuer>
    <titleOfClass>DEPOSITARY UNIT</titleOfClass>
    <cusip>451100101</cusip>
    <value>338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6503</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>452308109</cusip>
    <value>356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1699</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEXIQ ETF TR</nameOfIssuer>
    <titleOfClass>HEDGE MLTI ETF</titleOfClass>
    <cusip>45409B107</cusip>
    <value>214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6932</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEXIQ ETF TR</nameOfIssuer>
    <titleOfClass>HDGD FTSE INTL</titleOfClass>
    <cusip>45409B560</cusip>
    <value>857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEXIQ ETF TR</nameOfIssuer>
    <titleOfClass>IQ MRGR ARB ETF</titleOfClass>
    <cusip>45409B800</cusip>
    <value>3191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>99910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEXIQ ETF TR</nameOfIssuer>
    <titleOfClass>IQ MRGR ARB ETF</titleOfClass>
    <cusip>45409B800</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>433</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEXIQ ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>IQ MACKAY INSRED</titleOfClass>
    <cusip>45409F843</cusip>
    <value>438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17103</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INNOVATIVE INDL PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45781V101</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>999</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>2492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>50292</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>2001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15388</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MANAGED ETF</nameOfIssuer>
    <titleOfClass>ACTIVE US REAL</titleOfClass>
    <cusip>46090A101</cusip>
    <value>268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2401</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MANAGED ETF</nameOfIssuer>
    <titleOfClass>GWT MLTI ASST</titleOfClass>
    <cusip>46090A408</cusip>
    <value>1019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>55689</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MANAGED ETF</nameOfIssuer>
    <titleOfClass>TOTAL RETURN</titleOfClass>
    <cusip>46090A804</cusip>
    <value>5182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>98800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>196351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>541599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>541599</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTIVLY MANGD ETC FD</nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD</titleOfClass>
    <cusip>46090F100</cusip>
    <value>3578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>202811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>202811</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO MORTGAGE CAPITAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46131B100</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33536</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>AEROSPACE DEFN</titleOfClass>
    <cusip>46137V100</cusip>
    <value>588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>WILDERHIL CLAN</titleOfClass>
    <cusip>46137V134</cusip>
    <value>330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5062</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>WATER RES ETF</titleOfClass>
    <cusip>46137V142</cusip>
    <value>395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7447</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7447</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P SML600 VAL</titleOfClass>
    <cusip>46137V167</cusip>
    <value>2103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21736</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P SML600 GWT</titleOfClass>
    <cusip>46137V175</cusip>
    <value>258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1826</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P 500 TOP 50</titleOfClass>
    <cusip>46137V233</cusip>
    <value>399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 QUALITY</titleOfClass>
    <cusip>46137V241</cusip>
    <value>34212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>685479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>685479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 PUR VAL</titleOfClass>
    <cusip>46137V258</cusip>
    <value>3119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36418</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 PUR GWT</titleOfClass>
    <cusip>46137V266</cusip>
    <value>1960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL TEC</titleOfClass>
    <cusip>46137V282</cusip>
    <value>513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1774</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>BUYBACK ACHIEV</titleOfClass>
    <cusip>46137V308</cusip>
    <value>1775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19618</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL MAT</titleOfClass>
    <cusip>46137V316</cusip>
    <value>354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1918</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL IND</titleOfClass>
    <cusip>46137V324</cusip>
    <value>467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2478</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL HLT</titleOfClass>
    <cusip>46137V332</cusip>
    <value>532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL FIN</titleOfClass>
    <cusip>46137V340</cusip>
    <value>321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5043</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
    <cusip>46137V357</cusip>
    <value>21534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>136541</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GARP ETF</titleOfClass>
    <cusip>46137V431</cusip>
    <value>2742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30055</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P MDCP VLU MNT</titleOfClass>
    <cusip>46137V456</cusip>
    <value>1604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33288</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P MDCP MOMNTUM</titleOfClass>
    <cusip>46137V464</cusip>
    <value>359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P SMCP VLU MNT</titleOfClass>
    <cusip>46137V480</cusip>
    <value>796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14784</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DIVID ACHIEVEV</titleOfClass>
    <cusip>46137V506</cusip>
    <value>1197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31129</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>INTL DIVI ACHI</titleOfClass>
    <cusip>46137V548</cusip>
    <value>448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22803</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>HIG YLD EQ DIV</titleOfClass>
    <cusip>46137V563</cusip>
    <value>1592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>72940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>GBL LISTED PVT</titleOfClass>
    <cusip>46137V589</cusip>
    <value>241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18713</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>FTSE RAFI 1000</titleOfClass>
    <cusip>46137V613</cusip>
    <value>19557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>114465</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DYNMC SOFTWARE</titleOfClass>
    <cusip>46137V639</cusip>
    <value>363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DYNMC LEISURE</titleOfClass>
    <cusip>46137V720</cusip>
    <value>1319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27046</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DYNMC LRG VALU</titleOfClass>
    <cusip>46137V738</cusip>
    <value>4195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>85780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DYNMC LRG GWTH</titleOfClass>
    <cusip>46137V746</cusip>
    <value>1523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21083</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DYNMC FOOD BEV</titleOfClass>
    <cusip>46137V753</cusip>
    <value>1099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23802</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DYNMC ENRG EXP</titleOfClass>
    <cusip>46137V761</cusip>
    <value>502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DWA MOMENTUM</titleOfClass>
    <cusip>46137V837</cusip>
    <value>270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3328</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DWA HEALTHCARE</titleOfClass>
    <cusip>46137V852</cusip>
    <value>598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4442</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DWA STAPLES</titleOfClass>
    <cusip>46137V886</cusip>
    <value>355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>ZACKS MID CAP</titleOfClass>
    <cusip>46137Y401</cusip>
    <value>300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
    <cusip>46138B103</cusip>
    <value>2661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>102100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P SMLCP HELT</titleOfClass>
    <cusip>46138E149</cusip>
    <value>757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4704</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4704</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P SMLCP STAP</titleOfClass>
    <cusip>46138E172</cusip>
    <value>361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3581</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P MIDCP LOW</titleOfClass>
    <cusip>46138E198</cusip>
    <value>4085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>73200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P MIDCP LOW</titleOfClass>
    <cusip>46138E198</cusip>
    <value>2904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>52050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P INTL LOW</titleOfClass>
    <cusip>46138E230</cusip>
    <value>4310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>138400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P INTL LOW</titleOfClass>
    <cusip>46138E230</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>397</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P EMRNG MMTM</titleOfClass>
    <cusip>46138E289</cusip>
    <value>720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>42619</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P EMRNG MKTS</titleOfClass>
    <cusip>46138E297</cusip>
    <value>1108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>42880</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>7193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>107210</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>42037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>626573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>626573</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>259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>5480</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>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5433</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P 500 HB ETF</titleOfClass>
    <cusip>46138E370</cusip>
    <value>743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9779</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>CEF INM COMPSI</titleOfClass>
    <cusip>46138E404</cusip>
    <value>642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29103</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>PURBTA MSCI US</titleOfClass>
    <cusip>46138E461</cusip>
    <value>271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5961</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>184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13561</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>NY AMT FRE MUN</titleOfClass>
    <cusip>46138E529</cusip>
    <value>1161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>48597</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>414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16608</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>KBW PREM YIELD</titleOfClass>
    <cusip>46138E594</cusip>
    <value>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>KBW HIG DV YLD</titleOfClass>
    <cusip>46138E610</cusip>
    <value>829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>42426</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P SMLCP LOW</titleOfClass>
    <cusip>46138G102</cusip>
    <value>1817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>37060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P SMLCP LOW</titleOfClass>
    <cusip>46138G102</cusip>
    <value>521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10616</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P SMLCAP QTY</titleOfClass>
    <cusip>46138G300</cusip>
    <value>285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>SR LN ETF</titleOfClass>
    <cusip>46138G508</cusip>
    <value>224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10292</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>NASDAQNXTGEN100</titleOfClass>
    <cusip>46138G631</cusip>
    <value>894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30801</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>NASDAQ 100 ETF</titleOfClass>
    <cusip>46138G649</cusip>
    <value>1925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12919</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P ULTRA DIVIDE</titleOfClass>
    <cusip>46138G656</cusip>
    <value>3582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>81707</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P MDCP 400 REV</titleOfClass>
    <cusip>46138G672</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2516</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>4359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>54039</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>629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8329</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>1024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>46810</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>465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21231</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
    <titleOfClass>SILVER FD</titleOfClass>
    <cusip>46140H205</cusip>
    <value>3550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>103180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
    <titleOfClass>ENERGY FD</titleOfClass>
    <cusip>46140H304</cusip>
    <value>1027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>44490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
    <titleOfClass>PRECIOUS METAL</titleOfClass>
    <cusip>46140H502</cusip>
    <value>8593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>165950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
    <titleOfClass>GOLD FD</titleOfClass>
    <cusip>46140H601</cusip>
    <value>6807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>123090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB US DLR INDEX TR</nameOfIssuer>
    <titleOfClass>BULLISH FD</titleOfClass>
    <cusip>46141D203</cusip>
    <value>230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8746</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
    <titleOfClass>ISHARES NEW</titleOfClass>
    <cusip>464285204</cusip>
    <value>15377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>417500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>417500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
    <titleOfClass>ISHARES NEW</titleOfClass>
    <cusip>464285204</cusip>
    <value>7433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>201816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>201816</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI AUST ETF</titleOfClass>
    <cusip>464286103</cusip>
    <value>1911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>72315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI AUST ETF</titleOfClass>
    <cusip>464286103</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>148</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI AUSTRIA ETF</titleOfClass>
    <cusip>464286202</cusip>
    <value>1284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>59437</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI BELGIUM ETF</titleOfClass>
    <cusip>464286301</cusip>
    <value>1329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>65697</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI WORLD ETF</titleOfClass>
    <cusip>464286392</cusip>
    <value>434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3389</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI CDA ETF</titleOfClass>
    <cusip>464286509</cusip>
    <value>394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9803</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI GBL MIN VOL</titleOfClass>
    <cusip>464286525</cusip>
    <value>3141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>29965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI GBL MIN VOL</titleOfClass>
    <cusip>464286525</cusip>
    <value>2782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI EMERG MRKT</titleOfClass>
    <cusip>464286533</cusip>
    <value>1093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>17910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
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    <titleOfClass>LATN AMER 40 ETF</titleOfClass>
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  <infoTable>
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      <sshPrnamt>6067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6067</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>BARCLAYS 7 10 YR</titleOfClass>
    <cusip>464287440</cusip>
    <value>540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5027</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>1 3 YR TREAS BD</titleOfClass>
    <cusip>464287457</cusip>
    <value>733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8793</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>3235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>43960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>6423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>87271</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>73671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>615775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>615775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>4306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>2202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>21908</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>48706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>484639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>484639</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>6120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>6594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>84490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>4966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>18505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>27311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>101777</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPANDED TECH</titleOfClass>
    <cusip>464287515</cusip>
    <value>1279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3708</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES SEMICDTR</titleOfClass>
    <cusip>464287523</cusip>
    <value>1144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2418</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPND TEC SC ETF</titleOfClass>
    <cusip>464287549</cusip>
    <value>178012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>458050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>458050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPND TEC SC ETF</titleOfClass>
    <cusip>464287549</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH</titleOfClass>
    <cusip>464287556</cusip>
    <value>1115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8559</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>COHEN STEER REIT</titleOfClass>
    <cusip>464287564</cusip>
    <value>1814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25545</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL 100 ETF</titleOfClass>
    <cusip>464287572</cusip>
    <value>1258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16543</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US CONSUM DISCRE</titleOfClass>
    <cusip>464287580</cusip>
    <value>2473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32962</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>83768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>504688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>504688</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>11342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>68336</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>5040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>118456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>426670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>426670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>26023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>93733</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>39275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>157055</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>5870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23474</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>1490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>1877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7338</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>4480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>17203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>83807</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US VLU</titleOfClass>
    <cusip>464287663</cusip>
    <value>688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>9072</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US VLU</titleOfClass>
    <cusip>464287663</cusip>
    <value>7948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>104758</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US GWT</titleOfClass>
    <cusip>464287671</cusip>
    <value>359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>3385</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US GWT</titleOfClass>
    <cusip>464287671</cusip>
    <value>14711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>139232</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 3000 ETF</titleOfClass>
    <cusip>464287689</cusip>
    <value>1517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5782</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <titleOfClass>U.S. TECH ETF</titleOfClass>
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  <infoTable>
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    <titleOfClass>U.S. REAL ES ETF</titleOfClass>
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  <infoTable>
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    <titleOfClass>US INDUSTRIALS</titleOfClass>
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  <infoTable>
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    <titleOfClass>US HLTHCARE ETF</titleOfClass>
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  <infoTable>
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  <infoTable>
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    <titleOfClass>U.S. FINLS ETF</titleOfClass>
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  <infoTable>
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    <titleOfClass>U.S. ENERGY ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
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  <infoTable>
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    <titleOfClass>US CONSM STAPLES</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. BAS MTL ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MORNINGSTAR VALU</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP ETF</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GL CLEAN ENE ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF</titleOfClass>
    <cusip>464288273</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP GRW</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP GRW</titleOfClass>
    <cusip>464288307</cusip>
    <value>2080</value>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NEW YORK MUN ETF</titleOfClass>
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    <value>969</value>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CALIF MUN BD ETF</titleOfClass>
    <cusip>464288356</cusip>
    <value>233</value>
    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP VAL</titleOfClass>
    <cusip>464288406</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP VAL</titleOfClass>
    <cusip>464288406</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL DEVPPTY ETF</titleOfClass>
    <cusip>464288422</cusip>
    <value>4435</value>
    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL SEL DIV ETF</titleOfClass>
    <cusip>464288448</cusip>
    <value>1274</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>6284</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>802</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CRE U S REIT ETF</titleOfClass>
    <cusip>464288521</cusip>
    <value>1806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>27940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI KLD400 SOC</titleOfClass>
    <cusip>464288570</cusip>
    <value>1028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11869</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MBS ETF</titleOfClass>
    <cusip>464288588</cusip>
    <value>7147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>70160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR SM CP GR</titleOfClass>
    <cusip>464288604</cusip>
    <value>391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8848</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
    <cusip>464288646</cusip>
    <value>982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18987</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>10-20 YR TRS ETF</titleOfClass>
    <cusip>464288653</cusip>
    <value>1928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14322</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>3 7 YR TREAS BD</titleOfClass>
    <cusip>464288661</cusip>
    <value>528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4328</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>PFD AND INCM SEC</titleOfClass>
    <cusip>464288687</cusip>
    <value>3027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>83100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRNING SM CP ETF</titleOfClass>
    <cusip>464288703</cusip>
    <value>251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4271</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOB INDSTRL ETF</titleOfClass>
    <cusip>464288729</cusip>
    <value>571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLB CNSM STP ETF</titleOfClass>
    <cusip>464288737</cusip>
    <value>311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5010</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US AER DEF ETF</titleOfClass>
    <cusip>464288760</cusip>
    <value>2026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18286</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US REGNL BKS ETF</titleOfClass>
    <cusip>464288778</cusip>
    <value>970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16471</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. INSRNCE ETF</titleOfClass>
    <cusip>464288786</cusip>
    <value>456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA ESG SLC</titleOfClass>
    <cusip>464288802</cusip>
    <value>985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. MED DVC ETF</titleOfClass>
    <cusip>464288810</cusip>
    <value>15013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>246284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>246284</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US HLTHCR PR ETF</titleOfClass>
    <cusip>464288828</cusip>
    <value>544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1922</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF</titleOfClass>
    <cusip>464288877</cusip>
    <value>10010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>199165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF</titleOfClass>
    <cusip>464288885</cusip>
    <value>6524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>67767</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NEW ZEALAND ETF</titleOfClass>
    <cusip>464289123</cusip>
    <value>776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>14100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NEW ZEALAND ETF</titleOfClass>
    <cusip>464289123</cusip>
    <value>67</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS TP200 VL ETF</titleOfClass>
    <cusip>464289420</cusip>
    <value>615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8836</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS TP200 GR ETF</titleOfClass>
    <cusip>464289438</cusip>
    <value>9074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>57116</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS TOP 200 ETF</titleOfClass>
    <cusip>464289446</cusip>
    <value>839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7759</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GRWT ALLOCAT ETF</titleOfClass>
    <cusip>464289867</cusip>
    <value>311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5769</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CONSER ALLOC ETF</titleOfClass>
    <cusip>464289883</cusip>
    <value>269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7142</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR</nameOfIssuer>
    <titleOfClass>ISHARES</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>41129</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US TREAS BD ETF</titleOfClass>
    <cusip>46429B267</cusip>
    <value>10132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>406752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>406752</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INDONIA ETF</titleOfClass>
    <cusip>46429B309</cusip>
    <value>455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>18400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INDONIA ETF</titleOfClass>
    <cusip>46429B309</cusip>
    <value>253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CMBS ETF</titleOfClass>
    <cusip>46429B366</cusip>
    <value>228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4565</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI NORWAY ETF</titleOfClass>
    <cusip>46429B499</cusip>
    <value>982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>32300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI IRELAND ETF</titleOfClass>
    <cusip>46429B507</cusip>
    <value>926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>19400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INDIA ETF</titleOfClass>
    <cusip>46429B598</cusip>
    <value>347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7785</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INDIA SM CP</titleOfClass>
    <cusip>46429B614</cusip>
    <value>222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3947</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>FLTG RATE NT ETF</titleOfClass>
    <cusip>46429B655</cusip>
    <value>357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7072</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF</titleOfClass>
    <cusip>46429B663</cusip>
    <value>3842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35942</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE MIN VL</titleOfClass>
    <cusip>46429B689</cusip>
    <value>4258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>59030</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <titleOfClass>CORE MSCI TOTAL</titleOfClass>
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    <titleOfClass>CORE MSCI EAFE</titleOfClass>
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    <cusip>46435U853</cusip>
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      <sshPrnamt>2363</sshPrnamt>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG ADV TTL USD</titleOfClass>
    <cusip>46436E619</cusip>
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      <sshPrnamt>88859</sshPrnamt>
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    <cusip>46436E759</cusip>
    <value>1029</value>
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      <None>0</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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      <Sole>62018</Sole>
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    <cusip>46625H100</cusip>
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      <None>0</None>
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    <nameOfIssuer>J P MORGAN EXCHANGE-TRADED F</nameOfIssuer>
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    <nameOfIssuer>J P MORGAN EXCHANGE-TRADED F</nameOfIssuer>
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    <cusip>46641Q654</cusip>
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    <nameOfIssuer>J P MORGAN EXCHANGE-TRADED F</nameOfIssuer>
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    <nameOfIssuer>JACOBS ENGR GROUP INC</nameOfIssuer>
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    <value>218</value>
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    <nameOfIssuer>JD.COM INC</nameOfIssuer>
    <titleOfClass>SPON ADR CL A</titleOfClass>
    <cusip>47215P106</cusip>
    <value>250</value>
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      <sshPrnamt>4321</sshPrnamt>
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    <nameOfIssuer>JOHN HANCOCK EXCHANGE TRADED</nameOfIssuer>
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    <cusip>47804J206</cusip>
    <value>1516</value>
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      <Sole>28855</Sole>
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      <None>0</None>
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    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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    <cusip>478160104</cusip>
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      <sshPrnamt>45673</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>45673</Sole>
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      <None>0</None>
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    <nameOfIssuer>KKR REAL ESTATE FIN TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>48251K100</cusip>
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      <sshPrnamt>47250</sshPrnamt>
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    <nameOfIssuer>KEARNY FINL CORP MD</nameOfIssuer>
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    <value>1375</value>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>LUCID GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>549498103</cusip>
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    <cusip>550241103</cusip>
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    <cusip>553368101</cusip>
    <value>1294</value>
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    <nameOfIssuer>MAINSTAY MACKAY DEFINEDTERM</nameOfIssuer>
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    <value>433</value>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>1418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3969</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>2309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9338</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDIFAST INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58470H101</cusip>
    <value>362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2122</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>2964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
    <value>465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>37405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>121324</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSTRATEGY INC</nameOfIssuer>
    <titleOfClass>CL A NEW</titleOfClass>
    <cusip>594972408</cusip>
    <value>1655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3403</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>595112103</cusip>
    <value>4630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>59448</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>609207105</cusip>
    <value>443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7057</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7057</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONEYGRAM INTL INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>60935Y208</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONGODB INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>60937P106</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>577</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>617446448</cusip>
    <value>864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9885</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIO INC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>62914V106</cusip>
    <value>820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>38937</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64110L106</cusip>
    <value>826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEUBERGER BERMAN N Y MUN FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64124K102</cusip>
    <value>157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW AMER HIGH INCOME FD INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>641876800</cusip>
    <value>273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW GOLD INC CDA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>644535106</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW RESIDENTIAL INVT CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>64828T201</cusip>
    <value>349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31826</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>2213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>654106103</cusip>
    <value>5048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1293</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>666807102</cusip>
    <value>755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1689</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670346105</cusip>
    <value>294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1979</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>20776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>76142</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN NASDAQ 100 DYNAMIC OV</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>670699107</cusip>
    <value>602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21156</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN NEW JERSEY QULT MUN F</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67069Y102</cusip>
    <value>149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN S&amp;P 500 BUY-WRITE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>6706ER101</cusip>
    <value>295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20712</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670928100</cusip>
    <value>1142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>119173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG LRGCP</titleOfClass>
    <cusip>67092P201</cusip>
    <value>277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4569</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG LRGVL</titleOfClass>
    <cusip>67092P300</cusip>
    <value>681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17909</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
    <cusip>67092P607</cusip>
    <value>910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22845</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN PENNSYLVANIA QLT MUN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670972108</cusip>
    <value>145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10715</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67103H107</cusip>
    <value>572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>835</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OSI ETF TR</nameOfIssuer>
    <titleOfClass>OSHARES US QUALT</titleOfClass>
    <cusip>67110P407</cusip>
    <value>5839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>132761</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>674599105</cusip>
    <value>1538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27098</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6376</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORANGE</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>684060106</cusip>
    <value>120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69351T106</cusip>
    <value>2761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>96686</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>TRENDP US LAR CP</titleOfClass>
    <cusip>69374H105</cusip>
    <value>828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21314</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>TRENDPILOT US BD</titleOfClass>
    <cusip>69374H642</cusip>
    <value>338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13898</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>BNCHMRK INFRA</titleOfClass>
    <cusip>69374H741</cusip>
    <value>905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>BNCHMRK INDSTR</titleOfClass>
    <cusip>69374H766</cusip>
    <value>946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18617</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>LUNT LRGCP MULTI</titleOfClass>
    <cusip>69374H816</cusip>
    <value>1892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>47959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>PACER US SMALL</titleOfClass>
    <cusip>69374H857</cusip>
    <value>2546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>63497</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>US CASH COWS 100</titleOfClass>
    <cusip>69374H881</cusip>
    <value>5548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>111450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>69608A108</cusip>
    <value>328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23857</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>697435105</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>332</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARSONS CORP DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>70202L102</cusip>
    <value>484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>704326107</cusip>
    <value>322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2359</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>4669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>40369</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENN NATL GAMING INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>707569109</cusip>
    <value>279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>4504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26909</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>4850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>93691</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>1168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12433</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718546104</cusip>
    <value>414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4795</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVE BD ETF</titleOfClass>
    <cusip>72201R775</cusip>
    <value>1672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16423</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ENHAN SHRT MA AC</titleOfClass>
    <cusip>72201R833</cusip>
    <value>591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5901</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO DYNAMIC INCOME FD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>72201Y101</cusip>
    <value>774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31761</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>723787107</cusip>
    <value>646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2583</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLUG POWER INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>72919P202</cusip>
    <value>218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7606</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74251V102</cusip>
    <value>370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5037</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRINCIPAL EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>PRIN MILLENNIALS</titleOfClass>
    <cusip>74255Y508</cusip>
    <value>416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8504</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRINCIPAL EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SPECTRUM PFD</titleOfClass>
    <cusip>74255Y888</cusip>
    <value>424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22345</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>5477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35844</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>743315103</cusip>
    <value>2754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24157</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>LONG ONLINE SHRT</titleOfClass>
    <cusip>74347B375</cusip>
    <value>1779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>37730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>DJ BRKFLD GLB</titleOfClass>
    <cusip>74347B508</cusip>
    <value>233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4697</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>SP500 EX ENRGY</titleOfClass>
    <cusip>74347B581</cusip>
    <value>968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9954</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MDCP 400 DIV</titleOfClass>
    <cusip>74347B680</cusip>
    <value>280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3876</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>RUSS 2000 DIVD</titleOfClass>
    <cusip>74347B698</cusip>
    <value>3048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>47184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>RAFI LG SHT FD</titleOfClass>
    <cusip>74347X310</cusip>
    <value>703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>21800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>SHRT 20+YR TRE</titleOfClass>
    <cusip>74347X849</cusip>
    <value>278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 DV ARIST</titleOfClass>
    <cusip>74348A467</cusip>
    <value>8239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>86806</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>HGH YLD INT RATE</titleOfClass>
    <cusip>74348A541</cusip>
    <value>927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744320102</cusip>
    <value>2593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21946</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744573106</cusip>
    <value>1574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>1777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11627</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>1110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>756109104</cusip>
    <value>1207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17411</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REAVES UTIL INCOME FD</nameOfIssuer>
    <titleOfClass>COM SH BEN INT</titleOfClass>
    <cusip>756158101</cusip>
    <value>398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75886F107</cusip>
    <value>505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>723</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>760759100</cusip>
    <value>235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBLOX CORP</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>771049103</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6122</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROKU INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>77543R102</cusip>
    <value>381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3041</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>776696106</cusip>
    <value>683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1446</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>62887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>139242</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>19149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>106001</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFLO EURP ETF</titleOfClass>
    <cusip>78463X103</cusip>
    <value>383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9849</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>ASIA PACIF ETF</titleOfClass>
    <cusip>78463X301</cusip>
    <value>2398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>21829</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>ASIA PACIF ETF</titleOfClass>
    <cusip>78463X301</cusip>
    <value>424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3862</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>MSCI EAFE STRTGC</titleOfClass>
    <cusip>78463X434</cusip>
    <value>2852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>39517</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO EMG MK</titleOfClass>
    <cusip>78463X509</cusip>
    <value>1202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>S&amp;P EM MKT DIV</titleOfClass>
    <cusip>78463X533</cusip>
    <value>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>GLB NAT RESRCE</titleOfClass>
    <cusip>78463X541</cusip>
    <value>260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4142</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>S&amp;P EMKTSC ETF</titleOfClass>
    <cusip>78463X756</cusip>
    <value>2383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>42045</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>S&amp;P EMKTSC ETF</titleOfClass>
    <cusip>78463X756</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>S&amp;P INTL SMLCP</titleOfClass>
    <cusip>78463X871</cusip>
    <value>2133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>60667</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
    <cusip>78463X889</cusip>
    <value>11672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>340488</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
    <cusip>78463X889</cusip>
    <value>2859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>83389</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>SPDR S&amp;P1500VL</titleOfClass>
    <cusip>78464A128</cusip>
    <value>688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4437</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO CRPORT</titleOfClass>
    <cusip>78464A144</cusip>
    <value>213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6659</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP GRW</titleOfClass>
    <cusip>78464A201</cusip>
    <value>10673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>127317</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLOOMBERG</titleOfClass>
    <cusip>78464A284</cusip>
    <value>208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3779</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
    <cusip>78464A300</cusip>
    <value>27879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>334558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>334558</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG CONV</titleOfClass>
    <cusip>78464A359</cusip>
    <value>668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8678</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI MORTGAGE</titleOfClass>
    <cusip>78464A383</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8643</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
    <cusip>78464A409</cusip>
    <value>126448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1909800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>1909800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
    <cusip>78464A409</cusip>
    <value>51309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>774944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>774944</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
    <cusip>78464A508</cusip>
    <value>64763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1551200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>1551200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
    <cusip>78464A508</cusip>
    <value>50464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1208710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1208710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>HLTH CR EQUIP</titleOfClass>
    <cusip>78464A581</cusip>
    <value>875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7808</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>DJ REIT ETF</titleOfClass>
    <cusip>78464A607</cusip>
    <value>257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2194</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>AEROSPACE DEF</titleOfClass>
    <cusip>78464A631</cusip>
    <value>1438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11537</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO AGRGTE</titleOfClass>
    <cusip>78464A649</cusip>
    <value>17140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>616761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>616761</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI TIPS ETF</titleOfClass>
    <cusip>78464A656</cusip>
    <value>676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22329</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
    <cusip>78464A664</cusip>
    <value>1643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43445</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI INTRMDIT</titleOfClass>
    <cusip>78464A672</cusip>
    <value>324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10712</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P REGL BKG</titleOfClass>
    <cusip>78464A698</cusip>
    <value>3116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>45232</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P METALS MNG</titleOfClass>
    <cusip>78464A755</cusip>
    <value>1312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21403</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>7992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>62383</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P BK ETF</titleOfClass>
    <cusip>78464A797</cusip>
    <value>759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14498</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLI S&amp;P1500</titleOfClass>
    <cusip>78464A805</cusip>
    <value>18369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>330501</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P 600 SML CAP</titleOfClass>
    <cusip>78464A813</cusip>
    <value>1712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18288</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P 400 MDCP GRW</titleOfClass>
    <cusip>78464A821</cusip>
    <value>1384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18648</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
    <cusip>78464A839</cusip>
    <value>5109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>72588</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
    <cusip>78464A839</cusip>
    <value>935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13279</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P400</titleOfClass>
    <cusip>78464A847</cusip>
    <value>7344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>155719</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>
    <cusip>78464A854</cusip>
    <value>6530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>122914</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH</titleOfClass>
    <cusip>78464A870</cusip>
    <value>1814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>MULT ASS RLRTN</titleOfClass>
    <cusip>78467V103</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7143</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>BLACKSTONE SENR</titleOfClass>
    <cusip>78467V608</cusip>
    <value>17615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>391790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>391790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>SPDR TR TACTIC</titleOfClass>
    <cusip>78467V848</cusip>
    <value>358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8000</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>2184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6298</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>3907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7966</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO SH TSR</titleOfClass>
    <cusip>78468R101</cusip>
    <value>392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG INVT</titleOfClass>
    <cusip>78468R200</cusip>
    <value>12859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>421740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>421740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
    <cusip>78468R408</cusip>
    <value>443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16889</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P OILGAS EXP</titleOfClass>
    <cusip>78468R556</cusip>
    <value>1517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
    <cusip>78468R606</cusip>
    <value>363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14469</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>6267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>61144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6876</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
    <cusip>78468R663</cusip>
    <value>3572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>39063</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
    <cusip>78468R739</cusip>
    <value>430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9093</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>RUSSELL LOW VOL</titleOfClass>
    <cusip>78468R754</cusip>
    <value>2502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22801</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>RUSSELL YIELD</titleOfClass>
    <cusip>78468R770</cusip>
    <value>229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>
    <cusip>78468R788</cusip>
    <value>23781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>541086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>541086</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>SSGA US LRG ETF</titleOfClass>
    <cusip>78468R804</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>1610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>SSGA US LRG ETF</titleOfClass>
    <cusip>78468R804</cusip>
    <value>1110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
    <cusip>78468R853</cusip>
    <value>5155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>122532</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG 1 10 Y</titleOfClass>
    <cusip>78468R861</cusip>
    <value>683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33024</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>SSGA US SMAL ETF</titleOfClass>
    <cusip>78468R887</cusip>
    <value>1864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>16330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>1605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7558</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP SE</nameOfIssuer>
    <titleOfClass>SPON ADR</titleOfClass>
    <cusip>803054204</cusip>
    <value>209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1885</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6652</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5259</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US BRD MKT ETF</titleOfClass>
    <cusip>808524102</cusip>
    <value>1383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LRG CAP ETF</titleOfClass>
    <cusip>808524201</cusip>
    <value>5915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>109848</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP GR ETF</titleOfClass>
    <cusip>808524300</cusip>
    <value>3018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>40340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP VA ETF</titleOfClass>
    <cusip>808524409</cusip>
    <value>479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US MID-CAP ETF</titleOfClass>
    <cusip>808524508</cusip>
    <value>4589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>60496</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
    <cusip>808524706</cusip>
    <value>574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20687</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>SCHWB FDT INT LG</titleOfClass>
    <cusip>808524755</cusip>
    <value>1682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>52164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>7894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>100065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL SCEQT ETF</titleOfClass>
    <cusip>808524888</cusip>
    <value>597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15718</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>3434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>38959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>8706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>63555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>6346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>83616</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>4507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24363</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>12558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>164288</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>12402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>323651</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>323651</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-INDS</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>5979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>58055</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>174330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1096900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>1096900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>11888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>74803</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>COMMUNICATION</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>RL EST SEL SEC</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>7401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>153158</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>3409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45786</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>45786</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELLAS LIFE SCIENCES GROUP I</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>81642T209</cusip>
    <value>695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>104000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>765</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>82509L107</cusip>
    <value>419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILVERGATE CAP CORP</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>82837P408</cusip>
    <value>570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3784</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIRIUS XM HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>82968B103</cusip>
    <value>2298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>347193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>347193</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>83304A106</cusip>
    <value>265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7352</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOFI TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83406F102</cusip>
    <value>245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONOS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83570H108</cusip>
    <value>203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7182</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8713</Sole>
      <Shared>0</Shared>
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    <nameOfIssuer>TEKLA HEALTHCARE INVS</nameOfIssuer>
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    <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
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    <nameOfIssuer>TONIX PHARMACEUTICALS HLDG C</nameOfIssuer>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>RETAIL ETF</titleOfClass>
    <cusip>92189F684</cusip>
    <value>775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4292</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>PHARMACEUTCL ETF</titleOfClass>
    <cusip>92189F692</cusip>
    <value>238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>AGRIBUSINESS ETF</titleOfClass>
    <cusip>92189F700</cusip>
    <value>435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4157</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>INTRMDT MUNI ETF</titleOfClass>
    <cusip>92189H201</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4654</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>OIL SERVICES ETF</titleOfClass>
    <cusip>92189H607</cusip>
    <value>530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1877</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1877</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>RARE EARTH/STRTG</titleOfClass>
    <cusip>92189H805</cusip>
    <value>1198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10128</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>30123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>185758</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
    <titleOfClass>VG TL INTL STK F</titleOfClass>
    <cusip>921909768</cusip>
    <value>9709</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>162520</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>782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13671</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>21655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>267081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>267081</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA GRWTH IND</titleOfClass>
    <cusip>921910816</cusip>
    <value>263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1117</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>18178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>65947</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>500 VAL IDX FD</titleOfClass>
    <cusip>921932703</cusip>
    <value>288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1914</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>SMLCP 600 VAL</titleOfClass>
    <cusip>921932778</cusip>
    <value>282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1592</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>SMLCP 600 GRTH</titleOfClass>
    <cusip>921932794</cusip>
    <value>235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1088</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>SMLLCP 600 IDX</titleOfClass>
    <cusip>921932828</cusip>
    <value>704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3556</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>MIDCP 400 GRTH</titleOfClass>
    <cusip>921932869</cusip>
    <value>327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1702</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>1210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14777</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>1150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>14760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>3757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>48228</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>2896</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>39120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>491825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>491825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
    <cusip>921943858</cusip>
    <value>9169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>190900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
    <cusip>921943858</cusip>
    <value>3456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>71960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>34105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>303827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>303827</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>INTL DVD ETF</titleOfClass>
    <cusip>921946810</cusip>
    <value>2201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27848</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>3606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>70420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>1793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35003</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
    <titleOfClass>TOTAL INT BD ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>16870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
    <titleOfClass>TOTAL INT BD ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12919</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>1730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>33310</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>55</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1056</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>470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3793</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>504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4973</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>3882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>67399</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>5809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>125916</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>19595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>424783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>424783</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE PACIFIC ETF</titleOfClass>
    <cusip>922042866</cusip>
    <value>4710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>63600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE PACIFIC ETF</titleOfClass>
    <cusip>922042866</cusip>
    <value>119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1604</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EUROPE ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>20702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>332400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EUROPE ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF</titleOfClass>
    <cusip>92204A108</cusip>
    <value>1299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4256</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>CONSUM STP ETF</titleOfClass>
    <cusip>92204A207</cusip>
    <value>683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3488</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>FINANCIALS ETF</titleOfClass>
    <cusip>92204A405</cusip>
    <value>1744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18679</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>7194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28282</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF</titleOfClass>
    <cusip>92204A603</cusip>
    <value>327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1683</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>176129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>422900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>422900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>9048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21726</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>MATERIALS ETF</titleOfClass>
    <cusip>92204A801</cusip>
    <value>942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4853</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>UTILITIES ETF</titleOfClass>
    <cusip>92204A876</cusip>
    <value>336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>92206C102</cusip>
    <value>261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4405</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>3389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000GRW</titleOfClass>
    <cusip>92206C623</cusip>
    <value>1542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX</titleOfClass>
    <cusip>92206C664</cusip>
    <value>248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2998</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW</titleOfClass>
    <cusip>92206C680</cusip>
    <value>212696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2980600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>2980600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW</titleOfClass>
    <cusip>92206C680</cusip>
    <value>16507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>231327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>231327</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL</titleOfClass>
    <cusip>92206C714</cusip>
    <value>75566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1038000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>1038000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL</titleOfClass>
    <cusip>92206C714</cusip>
    <value>1085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14901</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>725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14481</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>28664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>333150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>333150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>5860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>68108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92276F100</cusip>
    <value>271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4387</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD</titleOfClass>
    <cusip>922907746</cusip>
    <value>782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>12360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>29770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>58327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>140490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>45410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>303400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>303400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>28924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>193252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>193252</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>1448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>6500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>24563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>110240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>3212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29639</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>1934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7794</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>26896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>152869</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>32471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>136526</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>44416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>213037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>213037</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>21060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>101014</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>EXTEND MKT ETF</titleOfClass>
    <cusip>922908652</cusip>
    <value>528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>206500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>718012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>718012</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>28529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>99197</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>108574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>734701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>734701</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>53790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>363989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>363989</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>40874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>192329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>192329</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>41627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>182839</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>7065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>138690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL</nameOfIssuer>
    <titleOfClass>CLASS B COM</titleOfClass>
    <cusip>92556H206</cusip>
    <value>671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17753</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIATRIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92556V106</cusip>
    <value>139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VCSHS US EQ INCM</titleOfClass>
    <cusip>92647N824</cusip>
    <value>298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4142</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>10735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>48404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIRTUS ALLIANZGI ARTIFICIAL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92838Y100</cusip>
    <value>263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12036</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>929160109</cusip>
    <value>290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1579</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WP CAREY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92936U109</cusip>
    <value>1247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92939U106</cusip>
    <value>332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3328</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>3077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931427108</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106L109</cusip>
    <value>299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1885</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>949746101</cusip>
    <value>1120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLTOWER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>95040Q104</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2099</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN UN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>959802109</cusip>
    <value>187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEYERHAEUSER CO MTN BE</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>962166104</cusip>
    <value>287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US TOTAL DIVIDND</titleOfClass>
    <cusip>97717W109</cusip>
    <value>265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4099</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>FUTRE STRAT FD</titleOfClass>
    <cusip>97717W125</cusip>
    <value>3247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>90300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US HIGH DIVIDEND</titleOfClass>
    <cusip>97717W208</cusip>
    <value>733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8324</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>EMG MKTS SMCAP</titleOfClass>
    <cusip>97717W281</cusip>
    <value>325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6104</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US LARGECAP DIVD</titleOfClass>
    <cusip>97717W307</cusip>
    <value>2710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>41232</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>INDIA ERNGS FD</titleOfClass>
    <cusip>97717W422</cusip>
    <value>494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13728</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>HEDGED HI YLD BD</titleOfClass>
    <cusip>97717W430</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US MIDCAP DIVID</titleOfClass>
    <cusip>97717W505</cusip>
    <value>4555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>102540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US MIDCAP FUND</titleOfClass>
    <cusip>97717W570</cusip>
    <value>2970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>54321</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD</titleOfClass>
    <cusip>97717W604</cusip>
    <value>873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27407</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>INTL SMCAP DIV</titleOfClass>
    <cusip>97717W760</cusip>
    <value>457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>YIELD ENHANCD US</titleOfClass>
    <cusip>97717X511</cusip>
    <value>17059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>356515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>356515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>EM EX ST-OWNED</titleOfClass>
    <cusip>97717X578</cusip>
    <value>894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27374</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US QTLY DIV GRT</titleOfClass>
    <cusip>97717X669</cusip>
    <value>25827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>405632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>405632</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>EUROPE HEDGED EQ</titleOfClass>
    <cusip>97717X701</cusip>
    <value>208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2831</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XPENG INC</nameOfIssuer>
    <titleOfClass>ADS</titleOfClass>
    <cusip>98422D105</cusip>
    <value>553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20061</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>98978V103</cusip>
    <value>326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1731</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC</nameOfIssuer>
    <titleOfClass>SHS CL A</titleOfClass>
    <cusip>G0403H108</cusip>
    <value>412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1266</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
    <titleOfClass>SHS CLASS A</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1362</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROOKFIELD INFRAST PARTNERS</nameOfIssuer>
    <titleOfClass>LP INT UNIT</titleOfClass>
    <cusip>G16252101</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G491BT108</cusip>
    <value>557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G51502105</cusip>
    <value>473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7207</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G5494J103</cusip>
    <value>236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>738</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G66721104</cusip>
    <value>439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20083</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRITON INTL LTD</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>G9078F107</cusip>
    <value>353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5029</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIM INTEGRATED SHIPPING SERV</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>M9T951109</cusip>
    <value>521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7166</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>334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
    <titleOfClass>SHS - A -</titleOfClass>
    <cusip>N53745100</cusip>
    <value>986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9592</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>V7780T103</cusip>
    <value>233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2787</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLAS CORP</nameOfIssuer>
    <titleOfClass>SHARES</titleOfClass>
    <cusip>Y0436Q109</cusip>
    <value>11634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>792488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>792488</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEANERGY MARITIME HLDGS CORP</nameOfIssuer>
    <titleOfClass>SHS NEW</titleOfClass>
    <cusip>Y73760194</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>56025</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI POLAND ETF</titleOfClass>
    <cusip>46429B606</cusip>
    <value>167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>8800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>FRANKLIN DYN MUN</titleOfClass>
    <cusip>35473P868</cusip>
    <value>292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11763</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MANAGED ETF</nameOfIssuer>
    <titleOfClass>BLNCD MLTI AST</titleOfClass>
    <cusip>46090A200</cusip>
    <value>376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23030</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US SML CP VALUE</titleOfClass>
    <cusip>46436E536</cusip>
    <value>309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10062</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>ULT SHT TRM BD</titleOfClass>
    <cusip>78467V707</cusip>
    <value>1371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UPHEALTH INC</nameOfIssuer>
    <titleOfClass>*W EXP 06/08/202</titleOfClass>
    <cusip>91532B119</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
