<SEC-DOCUMENT>0001532155-23-000162.txt : 20231114
<SEC-HEADER>0001532155-23-000162.hdr.sgml : 20231114
<ACCEPTANCE-DATETIME>20231114173033
ACCESSION NUMBER:		0001532155-23-000162
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20230930
FILED AS OF DATE:		20231114
DATE AS OF CHANGE:		20231114
EFFECTIVENESS DATE:		20231114

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:		231408153

	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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          <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 Erik Bass (212-314-2476) with any questions.</additionalInformation>
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      <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>11-14-2023</signatureDate>
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    <cusip>025072307</cusip>
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    <cusip>025072349</cusip>
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    <cusip>025072505</cusip>
    <value>759336</value>
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    <cusip>025072877</cusip>
    <value>279685</value>
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    <cusip>025537101</cusip>
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    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
    <value>1734185</value>
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    <nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03027X100</cusip>
    <value>637573</value>
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    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
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    <nameOfIssuer>AMPLIFY ETF TR</nameOfIssuer>
    <titleOfClass>CWP ENHANCED DIV</titleOfClass>
    <cusip>032108409</cusip>
    <value>530501</value>
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    <nameOfIssuer>ANNALY CAPITAL MANAGEMENT IN</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>035710839</cusip>
    <value>278200</value>
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      <sshPrnamt>14790</sshPrnamt>
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    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>94827398</value>
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      <sshPrnamt>553866</sshPrnamt>
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    <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>038222105</cusip>
    <value>923462</value>
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      <sshPrnamt>6670</sshPrnamt>
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      <Sole>6670</Sole>
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    <nameOfIssuer>ARES CAPITAL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04010L103</cusip>
    <value>413484</value>
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      <sshPrnamt>21237</sshPrnamt>
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      <Sole>21237</Sole>
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    <nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>040413106</cusip>
    <value>214278</value>
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      <sshPrnamt>1165</sshPrnamt>
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    <nameOfIssuer>ASTRAZENECA PLC</nameOfIssuer>
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    <cusip>046353108</cusip>
    <value>313544</value>
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      <sshPrnamt>4630</sshPrnamt>
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    <nameOfIssuer>ATLANTIC UN BANKSHARES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04911A107</cusip>
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      <sshPrnamt>8973</sshPrnamt>
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      <Sole>8973</Sole>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053015103</cusip>
    <value>5158757</value>
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    <cusip>053332102</cusip>
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      <sshPrnamt>300</sshPrnamt>
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    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053611109</cusip>
    <value>233635</value>
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      <sshPrnamt>1279</sshPrnamt>
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    <cusip>05464C101</cusip>
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    <cusip>055622104</cusip>
    <value>1517592</value>
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      <sshPrnamt>39194</sshPrnamt>
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    <nameOfIssuer>BNY MELLON MUN INCOME INC</nameOfIssuer>
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    <nameOfIssuer>BAIDU INC</nameOfIssuer>
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    <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>060505104</cusip>
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    <cusip>060505682</cusip>
    <value>282501</value>
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    <nameOfIssuer>BANK NOVA SCOTIA HALIFAX</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>064149107</cusip>
    <value>530804</value>
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    <nameOfIssuer>BAOZUN INC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>06684L103</cusip>
    <value>47873</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>BAYTEX ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>07317Q105</cusip>
    <value>119110</value>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>075887109</cusip>
    <value>634174</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2453</Sole>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
    <titleOfClass>CL B NEW</titleOfClass>
    <cusip>084670702</cusip>
    <value>34815616</value>
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    <nameOfIssuer>BIOGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09062X103</cusip>
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    <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09247X101</cusip>
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      <sshPrnamt>3941</sshPrnamt>
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    <nameOfIssuer>BLACKROCK MUNI INCOME TR II</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09249N101</cusip>
    <value>244824</value>
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      <sshPrnamt>26786</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>26786</Sole>
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    <nameOfIssuer>BLACKROCK MUNIHOLDINGS FD IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09253N104</cusip>
    <value>131968</value>
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    <nameOfIssuer>BLACKROCK SCIENCE &amp; TECHNOLO</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>09258G104</cusip>
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    <shrsOrPrnAmt>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>BLACKROCK ETF TRUST</nameOfIssuer>
    <titleOfClass>US CARBON TRANS</titleOfClass>
    <cusip>09290C509</cusip>
    <value>2428575</value>
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    <nameOfIssuer>BLACKROCK ETF TRUST</nameOfIssuer>
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    <cusip>09290C608</cusip>
    <value>414336</value>
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    <nameOfIssuer>BLOOM ENERGY CORP</nameOfIssuer>
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    <cusip>093712107</cusip>
    <value>320773</value>
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    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09857L108</cusip>
    <value>579783</value>
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    <nameOfIssuer>BOSTON PROPERTIES INC</nameOfIssuer>
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    <cusip>101121101</cusip>
    <value>233637</value>
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      <sshPrnamt>3928</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>3928</Sole>
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      <None>0</None>
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    <nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>101137107</cusip>
    <value>1001669</value>
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      <sshPrnamt>18971</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>18971</Sole>
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      <None>0</None>
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    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>4679475</value>
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      <sshPrnamt>80625</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>80625</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>2324026</value>
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      <sshPrnamt>73990</sshPrnamt>
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      <Sole>73990</Sole>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
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    <cusip>11135F101</cusip>
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      <sshPrnamt>3375</sshPrnamt>
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    <nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>125523100</cusip>
    <value>492613</value>
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      <sshPrnamt>1722</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>1722</Sole>
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      <None>0</None>
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    <nameOfIssuer>CME GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>1276603</value>
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      <sshPrnamt>6376</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>6376</Sole>
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      <None>0</None>
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    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>1037105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33727</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>33727</Sole>
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      <None>0</None>
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    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>3205227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45907</sshPrnamt>
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      <Sole>45907</Sole>
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    <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>127097103</cusip>
    <value>295034</value>
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      <sshPrnamt>10907</sshPrnamt>
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    <nameOfIssuer>CALAMOS GBL DYN INCOME FUND</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12811L107</cusip>
    <value>55400</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>CALAMOS STRATEGIC TOTAL RETU</nameOfIssuer>
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    <cusip>128125101</cusip>
    <value>165041</value>
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      <sshPrnamt>11730</sshPrnamt>
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    <nameOfIssuer>CAMBRIA ETF TR</nameOfIssuer>
    <titleOfClass>SHSHLD YIELD ETF</titleOfClass>
    <cusip>132061201</cusip>
    <value>1795425</value>
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      <sshPrnamt>29024</sshPrnamt>
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    <nameOfIssuer>CAMBRIA ETF TR</nameOfIssuer>
    <titleOfClass>GLB MOMENT ETF</titleOfClass>
    <cusip>132061508</cusip>
    <value>7757248</value>
    <shrsOrPrnAmt>
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      <Sole>287862</Sole>
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    <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>136375102</cusip>
    <value>292383</value>
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    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>13646K108</cusip>
    <value>228439</value>
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    <nameOfIssuer>CAPITAL GROUP INTL FOCUS EQT</nameOfIssuer>
    <titleOfClass>SHS CREATION UNI</titleOfClass>
    <cusip>14019W109</cusip>
    <value>214074</value>
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      <sshPrnamt>9847</sshPrnamt>
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      <Sole>9847</Sole>
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    <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>539404</value>
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      <sshPrnamt>5558</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5558</Sole>
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    <nameOfIssuer>CAPITOL SER TR</nameOfIssuer>
    <titleOfClass>HULL TACTICAL</titleOfClass>
    <cusip>14064D519</cusip>
    <value>1727649</value>
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      <sshPrnamt>54790</sshPrnamt>
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      <Sole>54790</Sole>
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    <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>656793</value>
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    <nameOfIssuer>CARLISLE COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>142339100</cusip>
    <value>225297</value>
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      <Sole>869</Sole>
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    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>264242</value>
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      <Sole>4787</Sole>
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    <nameOfIssuer>CASELLA WASTE SYS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>147448104</cusip>
    <value>307413</value>
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      <sshPrnamt>4029</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>4029</Sole>
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    <nameOfIssuer>CASEYS GEN STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>147528103</cusip>
    <value>422757</value>
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      <sshPrnamt>1557</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1557</Sole>
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    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>3024294</value>
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      <sshPrnamt>11078</sshPrnamt>
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      <Sole>11078</Sole>
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      <None>0</None>
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    <nameOfIssuer>CELSIUS HLDGS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>15118V207</cusip>
    <value>476876</value>
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      <sshPrnamt>2779</sshPrnamt>
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      <Sole>2779</Sole>
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    <nameOfIssuer>CHARGEPOINT HOLDINGS INC</nameOfIssuer>
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    <cusip>15961R105</cusip>
    <value>65082</value>
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      <Sole>13095</Sole>
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    <nameOfIssuer>CHENIERE ENERGY PARTNERS LP</nameOfIssuer>
    <titleOfClass>COM UNIT</titleOfClass>
    <cusip>16411Q101</cusip>
    <value>276477</value>
    <shrsOrPrnAmt>
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      <Sole>5102</Sole>
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    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>9146792</value>
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    <otherManager>10</otherManager>
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      <Sole>54245</Sole>
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      <None>0</None>
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    <nameOfIssuer>CHIMERA INVT CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>16934Q208</cusip>
    <value>165050</value>
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    <nameOfIssuer>CLIPPER RLTY INC</nameOfIssuer>
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    <nameOfIssuer>COHEN &amp; STEERS QUALITY INCOM</nameOfIssuer>
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    <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
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    <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
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    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
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    <nameOfIssuer>DWS MUN INCOME TR</nameOfIssuer>
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    <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
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    <value>286127</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253868103</cusip>
    <value>3162495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26132</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>EMGR CRE EQT MNG</titleOfClass>
    <cusip>25434V302</cusip>
    <value>1123151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>49763</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US EQUITY ETF</titleOfClass>
    <cusip>25434V401</cusip>
    <value>18757136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>402946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>402946</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>1680677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32019</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US TARGETED VLU</titleOfClass>
    <cusip>25434V609</cusip>
    <value>9509505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>208131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>208131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US LARGE CAP VAL</titleOfClass>
    <cusip>25434V666</cusip>
    <value>202152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8148</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>22944650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>875750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>875750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US MKTWIDE VALUE</titleOfClass>
    <cusip>25434V724</cusip>
    <value>1470685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>INTERNATNAL VAL</titleOfClass>
    <cusip>25434V807</cusip>
    <value>8233386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>252403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>252403</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US HIGH PROFITAB</titleOfClass>
    <cusip>25434V831</cusip>
    <value>929644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36187</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>6794397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>301705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>301705</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>11919780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>147067</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254709108</cusip>
    <value>248368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2867</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>543455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25754A201</cusip>
    <value>219319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>579</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOUBLELINE INCOME SOLUTIONS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>258622109</cusip>
    <value>291324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24857</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>1799238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34896</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DRAFTKINGS INC NEW</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>26142V105</cusip>
    <value>210084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>2192996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24847</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>260170</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>DYADIC INTL INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26745T101</cusip>
    <value>36960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
    <value>524913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4141</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>DEFIANCE NEXT</titleOfClass>
    <cusip>26922A289</cusip>
    <value>256794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>DISTILLATE US</titleOfClass>
    <cusip>26922A321</cusip>
    <value>5584107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>125092</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>US GLB JETS</titleOfClass>
    <cusip>26922A842</cusip>
    <value>262926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15439</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>4682811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>133986</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETFIS SER TR I</nameOfIssuer>
    <titleOfClass>VIRTUS INFRCAP</titleOfClass>
    <cusip>26923G822</cusip>
    <value>2522516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>130430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF MANAGERS TR</nameOfIssuer>
    <titleOfClass>PRIME MOBILE PAY</titleOfClass>
    <cusip>26924G409</cusip>
    <value>304433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7786</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7786</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF MANAGERS TR</nameOfIssuer>
    <titleOfClass>ETFMG ALTR HRVST</titleOfClass>
    <cusip>26924G508</cusip>
    <value>130634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTMAN CHEM CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>277432100</cusip>
    <value>433775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5654</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON VANCE MUNI INCOME TRUS</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>27826U108</cusip>
    <value>139272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15631</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON VANCE TAX-MANAGED DIVE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27828N102</cusip>
    <value>225157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19511</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON VANCE SHORT DURATION D</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27828V104</cusip>
    <value>248289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23943</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON VANCE TAX-MANAGED GLOB</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27829C105</cusip>
    <value>221323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28969</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDISON INTL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>281020107</cusip>
    <value>631254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9974</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>28176E108</cusip>
    <value>588464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8494</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>895880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9277</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29250N105</cusip>
    <value>1187870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
    <titleOfClass>COM UT LTD PTN</titleOfClass>
    <cusip>29273V100</cusip>
    <value>1212150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>86397</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29355A107</cusip>
    <value>222518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1852</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29364G103</cusip>
    <value>526880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5696</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293792107</cusip>
    <value>3395933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>124075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTRAVISION COMMUNICATIONS C</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>29382R107</cusip>
    <value>334628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>91679</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29444U700</cusip>
    <value>2264479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITABLE HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29452E101</cusip>
    <value>335314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11811</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY RESIDENTIAL</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>29476L107</cusip>
    <value>302767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5157</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EURONET WORLDWIDE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>298736109</cusip>
    <value>357210</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>EVERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30034W106</cusip>
    <value>382532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7545</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVOLUTION PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30049A107</cusip>
    <value>140665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20565</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXACT SCIENCES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30063P105</cusip>
    <value>268105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3930</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>1208993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24007</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30161N101</cusip>
    <value>664688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17589</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30225T102</cusip>
    <value>776045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6383</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>6537918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>55604</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FS KKR CAP CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>302635206</cusip>
    <value>2075405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>105404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>30303M102</cusip>
    <value>19097859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>63615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERAL RLTY INVT TR NEW</nameOfIssuer>
    <titleOfClass>SH BEN INT NEW</titleOfClass>
    <cusip>313745101</cusip>
    <value>315936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3486</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>1415997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5345</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY COMWLTH TR</nameOfIssuer>
    <titleOfClass>NASDAQ COMPSIT</titleOfClass>
    <cusip>315912808</cusip>
    <value>602044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI ENERGY IDX</titleOfClass>
    <cusip>316092402</cusip>
    <value>402247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16148</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI HLTH CARE I</titleOfClass>
    <cusip>316092600</cusip>
    <value>1930624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31869</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI INFO TECH I</titleOfClass>
    <cusip>316092808</cusip>
    <value>2009045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16343</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY MERRIMACK STR TR</nameOfIssuer>
    <titleOfClass>TOTAL BD ETF</titleOfClass>
    <cusip>316188309</cusip>
    <value>804074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18459</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR MORNINGSTAR DIVID L</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>336917109</cusip>
    <value>4263868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>127508</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>559629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6664</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>399848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4832</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>8461118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>114914</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>519687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3551</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>3167301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19844</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR SPECIALTY FIN &amp; FIN</nameOfIssuer>
    <titleOfClass>COM BEN INTR</titleOfClass>
    <cusip>33733G109</cusip>
    <value>33700</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>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>337344105</cusip>
    <value>5420999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>52130</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>21294839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>569533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>569533</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>435348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11508</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>412153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4242</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>561513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8908</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>TECH ALPHADEX</titleOfClass>
    <cusip>33734X176</cusip>
    <value>736114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6623</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>UTILITIES ALPH</titleOfClass>
    <cusip>33734X184</cusip>
    <value>322928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11307</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>2544200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33516</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>DJ GLBL DIVID</titleOfClass>
    <cusip>33734X200</cusip>
    <value>870711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>42247</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>INDXX NAT RE ETF</titleOfClass>
    <cusip>33734X838</cusip>
    <value>770874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>61040</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>5489897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>120843</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>226332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5891</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>1495409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18540</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>810204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8797</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>1381110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21320</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>2430901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25123</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>672959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>46443</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>EUROPE ALPHADEX</titleOfClass>
    <cusip>33737J117</cusip>
    <value>267381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>EMERG MKT ALPH</titleOfClass>
    <cusip>33737J182</cusip>
    <value>359799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17240</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>1373599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35715</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>337332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4971</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>1078578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17769</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
    <titleOfClass>MID CAP VAL FD</titleOfClass>
    <cusip>33737M201</cusip>
    <value>812664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18213</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>2068525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36702</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>502693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19027</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>924588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>LIMITED DURATION</titleOfClass>
    <cusip>33738D804</cusip>
    <value>267519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14547</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>CBOE VEST RISING</titleOfClass>
    <cusip>33738D879</cusip>
    <value>263059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12485</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>6359316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>113377</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>BUYWRIT INCM ETF</titleOfClass>
    <cusip>33738R308</cusip>
    <value>374279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18338</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>43174069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>939588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>939588</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>1634094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36887</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>S&amp;P INTL DIVID</titleOfClass>
    <cusip>33738R688</cusip>
    <value>168641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>RBA INDL ETF</titleOfClass>
    <cusip>33738R704</cusip>
    <value>2502017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>48564</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NASDQ ARTFCIAL</titleOfClass>
    <cusip>33738R720</cusip>
    <value>465541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11492</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NASDQ FOD BVRG</titleOfClass>
    <cusip>33738R852</cusip>
    <value>275209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11622</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NASDAQ BK ETF</titleOfClass>
    <cusip>33738R860</cusip>
    <value>339815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16440</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>6270908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>392668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>392668</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>1150104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>47921</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>2726135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55772</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>55772</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>LNG/SHT EQUITY</titleOfClass>
    <cusip>33739P103</cusip>
    <value>1057526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19897</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>1012092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22456</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>SHRT DUR MNG MUN</titleOfClass>
    <cusip>33739P830</cusip>
    <value>234578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12101</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>523128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30991</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>698963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14796</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>6707448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>112882</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>305356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9828</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FT CBOE VEST S&amp;P</titleOfClass>
    <cusip>33739Q705</cusip>
    <value>440982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8934</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>CBOE VEST US EQ</titleOfClass>
    <cusip>33740F755</cusip>
    <value>1217153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>49700</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>1549979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36856</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>TCW UNCONSTRAI</titleOfClass>
    <cusip>33740F888</cusip>
    <value>1957219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81892</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>81892</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>747498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>TCW SECURITIZED</titleOfClass>
    <cusip>33740U109</cusip>
    <value>1935929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>96921</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SMID RISNG ETF</titleOfClass>
    <cusip>33741X102</cusip>
    <value>1850307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>65544</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>INDXX INOVTV ETF</titleOfClass>
    <cusip>33741X201</cusip>
    <value>612909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337738108</cusip>
    <value>887640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7858</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337932107</cusip>
    <value>385448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11277</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>1696050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>136558</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTUNA SILVER MINES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>349915108</cusip>
    <value>27200</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>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>INTL COR DIV TIL</titleOfClass>
    <cusip>35473P108</cusip>
    <value>3670165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>131500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>SENIOR LOAN ETF</titleOfClass>
    <cusip>35473P595</cusip>
    <value>1792398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>74528</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>FTSE JAPAN ETF</titleOfClass>
    <cusip>35473P744</cusip>
    <value>1152956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>FRANKLIN INDIA</titleOfClass>
    <cusip>35473P769</cusip>
    <value>264446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8354</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>US LRG CP MLTFCT</titleOfClass>
    <cusip>35473P801</cusip>
    <value>3078557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>71478</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>FTSE CHINA</titleOfClass>
    <cusip>35473P819</cusip>
    <value>176608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10334</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>US SML CP MLTFCT</titleOfClass>
    <cusip>35473P876</cusip>
    <value>807843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23547</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>US MID CP MLTFCT</titleOfClass>
    <cusip>35473P884</cusip>
    <value>2469298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>57479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FUNKO INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>361008105</cusip>
    <value>130815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GABELLI EQUITY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>362397101</cusip>
    <value>240833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>46946</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GABELLI CONV &amp; INC SECS FD I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36240B109</cusip>
    <value>249375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>66500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>36266G107</cusip>
    <value>209699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3082</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>363576109</cusip>
    <value>336653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1477</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1477</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>3226604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14602</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>1081179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>962410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>1389488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>42144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
    <value>265804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1841</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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      <Sole>61557</Sole>
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    <titleOfClass>RBTCS ARTFL INTE</titleOfClass>
    <cusip>37954Y715</cusip>
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    <titleOfClass>LITHIUM BTRY ETF</titleOfClass>
    <cusip>37954Y855</cusip>
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      <Sole>11193</Sole>
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    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
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      <sshPrnamt>15404</sshPrnamt>
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      <Sole>15404</Sole>
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      <None>0</None>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVEBETA INT</titleOfClass>
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    <value>10851611</value>
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      <sshPrnamt>361359</sshPrnamt>
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      <Sole>361359</Sole>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVEBETA US LG</titleOfClass>
    <cusip>381430503</cusip>
    <value>8016759</value>
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      <sshPrnamt>95177</sshPrnamt>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACCES TREASURY</titleOfClass>
    <cusip>381430529</cusip>
    <value>10541183</value>
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    <nameOfIssuer>GOLDMAN SACHS BDC INC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>38147U107</cusip>
    <value>403953</value>
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    <nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>384802104</cusip>
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    <nameOfIssuer>GUGGENHEIM STRATEGIC OPPORTU</nameOfIssuer>
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    <nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40412C101</cusip>
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      <Sole>1199</Sole>
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    <nameOfIssuer>HALEON PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>405552100</cusip>
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      <Sole>28242</Sole>
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    <nameOfIssuer>HALLIBURTON CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>406216101</cusip>
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      <sshPrnamt>5684</sshPrnamt>
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      <Sole>5684</Sole>
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      <None>0</None>
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    <nameOfIssuer>HARBOR ETF TRUST</nameOfIssuer>
    <titleOfClass>LONG TERM GROWER</titleOfClass>
    <cusip>41151J406</cusip>
    <value>5719593</value>
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      <Sole>320605</Sole>
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    <nameOfIssuer>HARBOR ETF TRUST</nameOfIssuer>
    <titleOfClass>DIVIDEND GTH LEA</titleOfClass>
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    <value>260156</value>
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      <sshPrnamt>21412</sshPrnamt>
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    <nameOfIssuer>HASBRO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>418056107</cusip>
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      <Sole>4380</Sole>
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      <None>0</None>
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    <nameOfIssuer>HAYWARD HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>421298100</cusip>
    <value>634500</value>
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      <Sole>45000</Sole>
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      <None>0</None>
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    <nameOfIssuer>HEALTHPEAK PROPERTIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42250P103</cusip>
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      <sshPrnamt>14356</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>14356</Sole>
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      <None>0</None>
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    <nameOfIssuer>HERCULES CAPITAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427096508</cusip>
    <value>348974</value>
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      <sshPrnamt>21253</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>21253</Sole>
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      <None>0</None>
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    <nameOfIssuer>HERSHEY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427866108</cusip>
    <value>4425970</value>
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      <sshPrnamt>22121</sshPrnamt>
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      <Sole>22121</Sole>
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      <None>0</None>
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    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>43300A203</cusip>
    <value>367791</value>
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      <sshPrnamt>2449</sshPrnamt>
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      <Sole>2449</Sole>
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      <None>0</None>
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    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>7534057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24934</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>24934</Sole>
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      <None>0</None>
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    <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>438516106</cusip>
    <value>4682974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25349</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>25349</Sole>
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      <None>0</None>
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    <nameOfIssuer>HOOKER FURNISHINGS CORPORATI</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>439038100</cusip>
    <value>202183</value>
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      <sshPrnamt>10395</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10395</Sole>
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      <None>0</None>
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    <nameOfIssuer>HUMANA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>444859102</cusip>
    <value>522522</value>
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      <sshPrnamt>1074</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1074</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>446150104</cusip>
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      <sshPrnamt>25258</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>25258</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>452308109</cusip>
    <value>531325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2307</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2307</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INDEXIQ ETF TR</nameOfIssuer>
    <titleOfClass>FTSE INTERNL EQT</titleOfClass>
    <cusip>45409B560</cusip>
    <value>1696741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>73325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INDEXIQ ETF TR</nameOfIssuer>
    <titleOfClass>IQ MRGR ARB ETF</titleOfClass>
    <cusip>45409B800</cusip>
    <value>1853069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>58660</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INDEXIQ ETF TR</nameOfIssuer>
    <titleOfClass>IQ MRGR ARB ETF</titleOfClass>
    <cusip>45409B800</cusip>
    <value>1037416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32840</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>32840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INDEXIQ ETF TR</nameOfIssuer>
    <titleOfClass>IQ MRGR ARB ETF</titleOfClass>
    <cusip>45409B800</cusip>
    <value>13678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>433</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INNOVATE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45784J105</cusip>
    <value>44412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27415</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27415</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>2227314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62653</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>62653</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>3607955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25716</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25716</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459506101</cusip>
    <value>309151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4535</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4535</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>460146103</cusip>
    <value>498886</value>
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      <sshPrnamt>14065</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14065</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MANAGED ETF</nameOfIssuer>
    <titleOfClass>TOTAL RETURN</titleOfClass>
    <cusip>46090A804</cusip>
    <value>484637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10859</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MANAGED ETF</nameOfIssuer>
    <titleOfClass>INVSCO HY BD FCT</titleOfClass>
    <cusip>46090A853</cusip>
    <value>472357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22166</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MANAGED ETF</nameOfIssuer>
    <titleOfClass>VAR RATE INVT</titleOfClass>
    <cusip>46090A879</cusip>
    <value>3607239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>144610</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>187231902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>522600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>522600</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD</nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD</titleOfClass>
    <cusip>46090F100</cusip>
    <value>4368689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>292220</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>292220</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTUIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>461202103</cusip>
    <value>531889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1041</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>46120E602</cusip>
    <value>1405330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4808</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO SR INCOME TR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46131H107</cusip>
    <value>43116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10999</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10999</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>AEROSPACE DEFN</titleOfClass>
    <cusip>46137V100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>22400</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22400</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P SML600 GWT</titleOfClass>
    <cusip>46137V175</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>5364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5364</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P 500 TOP 50</titleOfClass>
    <cusip>46137V233</cusip>
    <value>2973639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87563</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>87563</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>
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    <shrsOrPrnAmt>
      <sshPrnamt>984941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>984941</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 PUR VAL</titleOfClass>
    <cusip>46137V258</cusip>
    <value>1192732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16210</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 PUR GWT</titleOfClass>
    <cusip>46137V266</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>30255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30255</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 UTL</titleOfClass>
    <cusip>46137V274</cusip>
    <value>201059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3998</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL TEC</titleOfClass>
    <cusip>46137V282</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>79535</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>79535</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>BUYBACK ACHIEV</titleOfClass>
    <cusip>46137V308</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>47312</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>47312</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL MAT</titleOfClass>
    <cusip>46137V316</cusip>
    <value>492121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15865</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL IND</titleOfClass>
    <cusip>46137V324</cusip>
    <value>1618786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>42277</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>475390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17350</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17350</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
    <cusip>46137V357</cusip>
    <value>29676545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209447</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>209447</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 ENR</titleOfClass>
    <cusip>46137V365</cusip>
    <value>5014803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>65365</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL STP</titleOfClass>
    <cusip>46137V373</cusip>
    <value>231789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7716</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL DIS</titleOfClass>
    <cusip>46137V381</cusip>
    <value>778564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18502</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GARP ETF</titleOfClass>
    <cusip>46137V431</cusip>
    <value>9425001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>103299</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P MDCP VLU MNT</titleOfClass>
    <cusip>46137V456</cusip>
    <value>561100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P MDCP MOMNTUM</titleOfClass>
    <cusip>46137V464</cusip>
    <value>1900117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23601</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P MDCP QUALITY</titleOfClass>
    <cusip>46137V472</cusip>
    <value>2728937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33883</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>905124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18798</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>1883231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>51553</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>2300432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>137668</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>1188571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>61937</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>FTSE RAFI 1500</titleOfClass>
    <cusip>46137V597</cusip>
    <value>1857700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>56311</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>28688307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>901581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>901581</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>LARGE CAP VALUE</titleOfClass>
    <cusip>46137V738</cusip>
    <value>4237272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>90540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>LARGE CAP GROWTH</titleOfClass>
    <cusip>46137V746</cusip>
    <value>1421489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20969</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>FOOD &amp; BEVERAGE</titleOfClass>
    <cusip>46137V753</cusip>
    <value>1212174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28616</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DORSEY WRIGHT MO</titleOfClass>
    <cusip>46137V837</cusip>
    <value>289867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3765</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DORSEY WRGT CSMR</titleOfClass>
    <cusip>46137V886</cusip>
    <value>341298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4090</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>634921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7453</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
    <cusip>46138B103</cusip>
    <value>240889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9651</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9651</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>426793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11366</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>2273234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>65398</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>3404531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>69240</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>2224992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>45251</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P INTL QULTY</titleOfClass>
    <cusip>46138E214</cusip>
    <value>5064745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>195550</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>3421356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>131100</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>222479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8525</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>782637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>55961</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>760275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>33790</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>392400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17440</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>6208224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>105600</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>38832970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>660537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>660537</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>10568642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>269677</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>269677</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>6345493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>148468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>PURBTA 0 5 YR</titleOfClass>
    <cusip>46138E495</cusip>
    <value>485250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19871</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19871</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>132396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12091</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12091</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>KBW PPTY CASUT</titleOfClass>
    <cusip>46138E586</cusip>
    <value>1033123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12283</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>818544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>53887</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>KBW BK ETF</titleOfClass>
    <cusip>46138E628</cusip>
    <value>312185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7791</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7791</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>FNDMNTL IG CRP</titleOfClass>
    <cusip>46138E693</cusip>
    <value>669923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29682</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>FTSE RAFI DEV</titleOfClass>
    <cusip>46138E743</cusip>
    <value>8446692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>194043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>194043</Sole>
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    <cusip>46138G102</cusip>
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    <shrsOrPrnAmt>
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    <titleOfClass>NASDAQNXTGEN100</titleOfClass>
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    <shrsOrPrnAmt>
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    <cusip>46138G656</cusip>
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    <shrsOrPrnAmt>
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    <cusip>46138G672</cusip>
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    <shrsOrPrnAmt>
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    <cusip>46138G698</cusip>
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    <titleOfClass>SOLAR ETF</titleOfClass>
    <cusip>46138G706</cusip>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <cusip>46138J536</cusip>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
      <sshPrnamt>13254</sshPrnamt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
      <sshPrnamt>368591</sshPrnamt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
      <sshPrnamt>281287</sshPrnamt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
      <sshPrnamt>9617</sshPrnamt>
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      <None>0</None>
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    <shrsOrPrnAmt>
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      <None>0</None>
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      <None>0</None>
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    <cusip>46140H106</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>22740</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <cusip>46140H304</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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      <sshPrnamt>21420</sshPrnamt>
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      <Sole>21420</Sole>
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      <None>0</None>
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    <cusip>46140H502</cusip>
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      <sshPrnamt>360540</sshPrnamt>
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    <votingAuthority>
      <Sole>360540</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>6494</Sole>
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      <None>0</None>
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    <otherManager>5</otherManager>
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      <Sole>363500</Sole>
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      <None>0</None>
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  <infoTable>
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    <cusip>464285204</cusip>
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      <sshPrnamt>355803</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>355803</Sole>
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      <None>0</None>
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      <Sole>81715</Sole>
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      <Sole>92</Sole>
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      <Sole>65337</Sole>
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      <None>0</None>
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      <sshPrnamt>77897</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
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      <Sole>77897</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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    <otherManager>10</otherManager>
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      <Sole>59331</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>1739</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1739</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
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      <Sole>67034</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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    <otherManager>10</otherManager>
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      <Sole>16388</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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      <Sole>16749</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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      <Sole>19500</Sole>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3433</Sole>
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  <infoTable>
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      <Sole>37767</Sole>
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      <None>0</None>
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  <infoTable>
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      <Sole>130</Sole>
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  <infoTable>
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      <Sole>100421</Sole>
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    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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      <sshPrnamt>258</sshPrnamt>
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      <Sole>258</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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      <sshPrnamt>3148</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3148</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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      <sshPrnamt>24134</sshPrnamt>
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      <Sole>24134</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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      <Sole>4556</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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      <Sole>3183215</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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      <sshPrnamt>5311</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>5311</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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      <sshPrnamt>548616</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
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      <Sole>548616</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <value>779778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>13240</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
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    <value>19100790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>202790</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>202790</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
    <cusip>464287150</cusip>
    <value>10966636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>116431</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
    <cusip>464287150</cusip>
    <value>10216224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>108464</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>12230380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>113623</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
    <value>3194576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>30800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
    <value>6465801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>62339</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CHINA LG-CAP ETF</titleOfClass>
    <cusip>464287184</cusip>
    <value>6393597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>240995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CHINA LG-CAP ETF</titleOfClass>
    <cusip>464287184</cusip>
    <value>13265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US TRSPRTION</titleOfClass>
    <cusip>464287192</cusip>
    <value>409565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1752</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>82173578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>191355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>191355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>130809961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>304613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>304613</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
    <cusip>464287226</cusip>
    <value>15242003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>162080</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
    <cusip>464287226</cusip>
    <value>11925306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>126811</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>3029966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>79841</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF</titleOfClass>
    <cusip>464287242</cusip>
    <value>11456438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>112296</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL TECH ETF</titleOfClass>
    <cusip>464287291</cusip>
    <value>1048119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18121</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>48106102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>703100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>703100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>5494468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>80305</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOB HLTHCRE ETF</titleOfClass>
    <cusip>464287325</cusip>
    <value>886757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10759</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL ENERG ETF</titleOfClass>
    <cusip>464287341</cusip>
    <value>3661412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>88740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>LATN AMER 40 ETF</titleOfClass>
    <cusip>464287390</cusip>
    <value>852349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>33347</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>LATN AMER 40 ETF</titleOfClass>
    <cusip>464287390</cusip>
    <value>431325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>9952063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>64691</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>30708310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>199612</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>20 YR TR BD ETF</titleOfClass>
    <cusip>464287432</cusip>
    <value>4413569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49764</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>49764</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>7-10 YR TRSY BD</titleOfClass>
    <cusip>464287440</cusip>
    <value>9910221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>108202</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>6055584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>74788</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>6262071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>90860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>7771557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>112762</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>53482076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>512575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>512575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>3731824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35766</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>3353276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>36708</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>46569865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>509796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>509796</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>423810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>6887813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>99463</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>8404342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>33705</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>36196893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>145165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPANDED TECH</titleOfClass>
    <cusip>464287515</cusip>
    <value>2131851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6247</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES SEMICDTR</titleOfClass>
    <cusip>464287523</cusip>
    <value>1769083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPND TEC SC ETF</titleOfClass>
    <cusip>464287549</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>379850</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>379850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPND TEC SC ETF</titleOfClass>
    <cusip>464287549</cusip>
    <value>38218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH</titleOfClass>
    <cusip>464287556</cusip>
    <value>1285268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>COHEN STEER REIT</titleOfClass>
    <cusip>464287564</cusip>
    <value>2178198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43425</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL 100 ETF</titleOfClass>
    <cusip>464287572</cusip>
    <value>4536998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61947</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>61947</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US CONSUM DISCRE</titleOfClass>
    <cusip>464287580</cusip>
    <value>810898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12112</sshPrnamt>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12112</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>63792942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420188</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>420188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>7366914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48524</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>48524</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>3542650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>49040</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>739232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10233</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>72528291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>272673</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>32286132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>121381</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>32289554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>137455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>6991626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29763</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29763</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>1448216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10684</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>1285724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5736</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>1736471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>9825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>17356575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98204</sshPrnamt>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>98204</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US VLU</titleOfClass>
    <cusip>464287663</cusip>
    <value>10507765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140817</sshPrnamt>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>140817</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US GWT</titleOfClass>
    <cusip>464287671</cusip>
    <value>5083457</value>
    <shrsOrPrnAmt>
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    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>53606</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US GWT</titleOfClass>
    <cusip>464287671</cusip>
    <value>17743831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187112</sshPrnamt>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>187112</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 3000 ETF</titleOfClass>
    <cusip>464287689</cusip>
    <value>1658321</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6767</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. UTILITS ETF</titleOfClass>
    <cusip>464287697</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4952</sshPrnamt>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4952</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400VL ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>18262476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180942</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>180942</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400VL ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>641410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6355</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6355</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. TECH ETF</titleOfClass>
    <cusip>464287721</cusip>
    <value>991389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9449</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9449</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US INDUSTRIALS</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>5145</sshPrnamt>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5145</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US HLTHCARE ETF</titleOfClass>
    <cusip>464287762</cusip>
    <value>1948285</value>
    <shrsOrPrnAmt>
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      <Sole>7214</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. FIN SVC ETF</titleOfClass>
    <cusip>464287770</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>4030</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. FINLS ETF</titleOfClass>
    <cusip>464287788</cusip>
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    <shrsOrPrnAmt>
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    <otherManager>10</otherManager>
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      <Sole>6189</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. ENERGY ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>1466832</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>15550</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>35558542</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>376959</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US CONSM STAPLES</titleOfClass>
    <cusip>464287812</cusip>
    <value>3485685</value>
    <shrsOrPrnAmt>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18689</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. BAS MTL ETF</titleOfClass>
    <cusip>464287838</cusip>
    <value>4128643</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32684</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>DOW JONES US ETF</titleOfClass>
    <cusip>464287846</cusip>
    <value>236961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2268</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2268</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>1782437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19978</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19978</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT</titleOfClass>
    <cusip>464287887</cusip>
    <value>5125895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>46735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MORNINGSTAR VALU</titleOfClass>
    <cusip>464288109</cusip>
    <value>89387263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1380072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>1380072</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MORNINGSTAR VALU</titleOfClass>
    <cusip>464288109</cusip>
    <value>40870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>631</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF</titleOfClass>
    <cusip>464288158</cusip>
    <value>772684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7512</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP ETF</titleOfClass>
    <cusip>464288208</cusip>
    <value>445825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>7464</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP ETF</titleOfClass>
    <cusip>464288208</cusip>
    <value>985664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16502</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GL CLEAN ENE ETF</titleOfClass>
    <cusip>464288224</cusip>
    <value>1412804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>96635</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI EX US</titleOfClass>
    <cusip>464288240</cusip>
    <value>1053635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22413</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI ETF</titleOfClass>
    <cusip>464288257</cusip>
    <value>1952332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF</titleOfClass>
    <cusip>464288273</cusip>
    <value>6204359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>109870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF</titleOfClass>
    <cusip>464288273</cusip>
    <value>17352723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>307291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>307291</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
    <cusip>464288281</cusip>
    <value>8743819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>105960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
    <cusip>464288281</cusip>
    <value>5440956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>65935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP GRW</titleOfClass>
    <cusip>464288307</cusip>
    <value>3643751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>63780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP GRW</titleOfClass>
    <cusip>464288307</cusip>
    <value>4666664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>81685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CALIF MUN BD ETF</titleOfClass>
    <cusip>464288356</cusip>
    <value>250016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4559</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP VAL</titleOfClass>
    <cusip>464288406</cusip>
    <value>31731649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>523711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>523711</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP VAL</titleOfClass>
    <cusip>464288406</cusip>
    <value>1822729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30083</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>21457213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>209257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL DEVPPTY ETF</titleOfClass>
    <cusip>464288422</cusip>
    <value>3524180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>140710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL DEVPPTY ETF</titleOfClass>
    <cusip>464288422</cusip>
    <value>10870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>434</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL SEL DIV ETF</titleOfClass>
    <cusip>464288448</cusip>
    <value>1748638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>68844</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>5420632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>73530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>776345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10531</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CRE U S REIT ETF</titleOfClass>
    <cusip>464288521</cusip>
    <value>806778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CRE U S REIT ETF</titleOfClass>
    <cusip>464288521</cusip>
    <value>476518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>10100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CRE U S REIT ETF</titleOfClass>
    <cusip>464288521</cusip>
    <value>21656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>459</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI KLD400 SOC</titleOfClass>
    <cusip>464288570</cusip>
    <value>503928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MBS ETF</titleOfClass>
    <cusip>464288588</cusip>
    <value>4507488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>50760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR SM CP GR</titleOfClass>
    <cusip>464288604</cusip>
    <value>453259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11694</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
    <cusip>464288646</cusip>
    <value>295193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5924</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>264786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2689</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>3 7 YR TREAS BD</titleOfClass>
    <cusip>464288661</cusip>
    <value>1642631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14516</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHORT TREAS BD</titleOfClass>
    <cusip>464288679</cusip>
    <value>339364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3072</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>PFD AND INCM SEC</titleOfClass>
    <cusip>464288687</cusip>
    <value>1671727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55447</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>55447</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRNING SM CP ETF</titleOfClass>
    <cusip>464288703</cusip>
    <value>250613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOB INDSTRL ETF</titleOfClass>
    <cusip>464288729</cusip>
    <value>415764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3679</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLB CNSM STP ETF</titleOfClass>
    <cusip>464288737</cusip>
    <value>318794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5587</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US HOME CONS ETF</titleOfClass>
    <cusip>464288752</cusip>
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    <shrsOrPrnAmt>
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      <Sole>7254</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US AER DEF ETF</titleOfClass>
    <cusip>464288760</cusip>
    <value>3343671</value>
    <shrsOrPrnAmt>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31553</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. INSRNCE ETF</titleOfClass>
    <cusip>464288786</cusip>
    <value>1172112</value>
    <shrsOrPrnAmt>
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      <Sole>12789</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA ESG SLC</titleOfClass>
    <cusip>464288802</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. MED DVC ETF</titleOfClass>
    <cusip>464288810</cusip>
    <value>8209886</value>
    <shrsOrPrnAmt>
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      <Sole>169276</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US HLTHCR PR ETF</titleOfClass>
    <cusip>464288828</cusip>
    <value>844369</value>
    <shrsOrPrnAmt>
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      <Sole>3431</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US OIL GS EX ETF</titleOfClass>
    <cusip>464288851</cusip>
    <value>864506</value>
    <shrsOrPrnAmt>
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      <Sole>8864</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF</titleOfClass>
    <cusip>464288877</cusip>
    <value>1060264</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF</titleOfClass>
    <cusip>464288877</cusip>
    <value>1856991</value>
    <shrsOrPrnAmt>
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      <Sole>37952</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF</titleOfClass>
    <cusip>464288885</cusip>
    <value>4069218</value>
    <shrsOrPrnAmt>
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      <Sole>47152</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NEW ZEALAND ETF</titleOfClass>
    <cusip>464289123</cusip>
    <value>580199</value>
    <shrsOrPrnAmt>
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    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>13100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NEW ZEALAND ETF</titleOfClass>
    <cusip>464289123</cusip>
    <value>180305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4071</sshPrnamt>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4071</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EURO FL ETF</titleOfClass>
    <cusip>464289180</cusip>
    <value>2678620</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>141651</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS TP200 GR ETF</titleOfClass>
    <cusip>464289438</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>68314</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS TOP 200 ETF</titleOfClass>
    <cusip>464289446</cusip>
    <value>13562661</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GRWT ALLOCAT ETF</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>6733</sshPrnamt>
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      <Sole>6733</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR</nameOfIssuer>
    <titleOfClass>ISHARES</titleOfClass>
    <cusip>46428Q109</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US TREAS BD ETF</titleOfClass>
    <cusip>46429B267</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>81903</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INDONIA ETF</titleOfClass>
    <cusip>46429B309</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INDONIA ETF</titleOfClass>
    <cusip>46429B309</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI NORWAY ETF</titleOfClass>
    <cusip>46429B499</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI IRELAND ETF</titleOfClass>
    <cusip>46429B507</cusip>
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    <shrsOrPrnAmt>
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      <Sole>16700</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INDIA ETF</titleOfClass>
    <cusip>46429B598</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI POLAND ETF</titleOfClass>
    <cusip>46429B606</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INDIA SM CP</titleOfClass>
    <cusip>46429B614</cusip>
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    <shrsOrPrnAmt>
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      <Sole>5373</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>FLTG RATE NT ETF</titleOfClass>
    <cusip>46429B655</cusip>
    <value>2938948</value>
    <shrsOrPrnAmt>
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      <Sole>57751</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF</titleOfClass>
    <cusip>46429B663</cusip>
    <value>3025441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30594</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30594</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE MIN VL</titleOfClass>
    <cusip>46429B689</cusip>
    <value>3444268</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>52810</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE MIN VL</titleOfClass>
    <cusip>46429B689</cusip>
    <value>1384099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21222</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21222</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA MIN VOL</titleOfClass>
    <cusip>46429B697</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>86570</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA MIN VOL</titleOfClass>
    <cusip>46429B697</cusip>
    <value>20509235</value>
    <shrsOrPrnAmt>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>283355</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>0-5 YR TIPS ETF</titleOfClass>
    <cusip>46429B747</cusip>
    <value>16190389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167049</sshPrnamt>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>167049</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES U S ETF TR</nameOfIssuer>
    <titleOfClass>BLACKROCK ST MAT</titleOfClass>
    <cusip>46431W507</cusip>
    <value>449958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9019</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9019</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT</titleOfClass>
    <cusip>46432F339</cusip>
    <value>39645859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300826</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>300826</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA VALUE</titleOfClass>
    <cusip>46432F388</cusip>
    <value>3943961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43474</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43474</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA MMENTM</titleOfClass>
    <cusip>46432F396</cusip>
    <value>1134504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8121</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8121</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI TOTAL</titleOfClass>
    <cusip>46432F834</cusip>
    <value>1812658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30216</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <votingAuthority>
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      <None>0</None>
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    <shrsOrPrnAmt>
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    <otherManager>10</otherManager>
    <votingAuthority>
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    <shrsOrPrnAmt>
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    <cusip>46436E619</cusip>
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    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18467</Sole>
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      <None>0</None>
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    <cusip>46436E759</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>17462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <otherManager>10</otherManager>
    <votingAuthority>
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      <None>0</None>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>55404</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <cusip>46436E825</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>59807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>59807</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <cusip>46436E866</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>89587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>89587</Sole>
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      <None>0</None>
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    <cusip>46436E874</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>666469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>666469</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>46436E882</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>132122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>132122</Sole>
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      <None>0</None>
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      <sshPrnamt>167421</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>443662</sshPrnamt>
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      <Sole>443662</Sole>
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      <sshPrnamt>23003</sshPrnamt>
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      <sshPrnamt>106494</sshPrnamt>
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      <Sole>137097</Sole>
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    <nameOfIssuer>KINDER MORGAN INC DEL</nameOfIssuer>
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    <nameOfIssuer>KONINKLIJKE PHILIPS N V</nameOfIssuer>
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    <nameOfIssuer>KRANESHARES TR</nameOfIssuer>
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    <nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
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    <nameOfIssuer>LAS VEGAS SANDS CORP</nameOfIssuer>
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    <nameOfIssuer>LATTICE STRATEGIES TR</nameOfIssuer>
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    <cusip>518416102</cusip>
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    <nameOfIssuer>LEGG MASON ETF INVT</nameOfIssuer>
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    <nameOfIssuer>LEGG MASON ETF INVT</nameOfIssuer>
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    <nameOfIssuer>LEONARDO DRS INC</nameOfIssuer>
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    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
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    <nameOfIssuer>LISTED FD TR</nameOfIssuer>
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    <cusip>53656F847</cusip>
    <value>734546</value>
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    <nameOfIssuer>LITMAN GREGORY FDS TR</nameOfIssuer>
    <titleOfClass>IMGP DBI MANAGED</titleOfClass>
    <cusip>53700T827</cusip>
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    <nameOfIssuer>LITMAN GREGORY FDS TR</nameOfIssuer>
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    <cusip>53700T827</cusip>
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    <nameOfIssuer>LITMAN GREGORY FDS TR</nameOfIssuer>
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    <cusip>53700T827</cusip>
    <value>20924</value>
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    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>539830109</cusip>
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    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
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    <cusip>55273C107</cusip>
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    <nameOfIssuer>MAINSTAY MACKAY DEFINEDTERM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>MANULIFE FINL CORP</nameOfIssuer>
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    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
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    <titleOfClass>COM</titleOfClass>
    <cusip>58463J304</cusip>
    <value>131596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24146</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24146</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MERCADOLIBRE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58733R102</cusip>
    <value>916677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>723</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>5783113</value>
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      <sshPrnamt>56174</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>56174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>METLIFE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
    <value>814244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12943</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12943</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MFS HIGH YIELD MUN TR</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>59318E102</cusip>
    <value>91884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29356</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>48913464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MICROSTRATEGY INC</nameOfIssuer>
    <titleOfClass>CL A NEW</titleOfClass>
    <cusip>594972408</cusip>
    <value>387042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1179</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>595112103</cusip>
    <value>1496592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21999</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>609207105</cusip>
    <value>627654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9044</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MONROE CAP CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>610335101</cusip>
    <value>86793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>617446448</cusip>
    <value>2327677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28501</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MOSAIC CO NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>61945C103</cusip>
    <value>215594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6056</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NIO INC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>62914V106</cusip>
    <value>490375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>54245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NRG ENERGY INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>629377508</cusip>
    <value>223300</value>
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      <sshPrnamt>5797</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>5797</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NETAPP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64110D104</cusip>
    <value>242588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3197</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64110L106</cusip>
    <value>2210470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5854</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEUBERGER BERMAN HIGH YIELD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64128C106</cusip>
    <value>308730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>41000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NEW GOLD INC CDA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>644535106</cusip>
    <value>9101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RITHM CAPITAL CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>64828T201</cusip>
    <value>122219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>13156</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEWMONT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>651639106</cusip>
    <value>645406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>17467</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>2266736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39566</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>39566</Sole>
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      <None>0</None>
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    <nameOfIssuer>NIKE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>654106103</cusip>
    <value>4816858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>50375</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>339113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1722</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>666807102</cusip>
    <value>930121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2113</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>66987V109</cusip>
    <value>323100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVO-NORDISK A S</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>670100205</cusip>
    <value>1117744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12291</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670346105</cusip>
    <value>460607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2946</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>32669489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>75104</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>1170215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>52079</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>894052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>84504</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>219157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17311</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67077M108</cusip>
    <value>296880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4807</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670928100</cusip>
    <value>784039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>94920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG LRGCP</titleOfClass>
    <cusip>67092P201</cusip>
    <value>1757061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29299</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG LRGVL</titleOfClass>
    <cusip>67092P300</cusip>
    <value>1030105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30667</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG MIDVL</titleOfClass>
    <cusip>67092P508</cusip>
    <value>217347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7645</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
    <cusip>67092P607</cusip>
    <value>1182418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33958</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67103H107</cusip>
    <value>1146981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1262</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>674599105</cusip>
    <value>3403216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>52454</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>680223104</cusip>
    <value>200676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7449</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>681919106</cusip>
    <value>439506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5901</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>681936100</cusip>
    <value>223465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6739</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>682680103</cusip>
    <value>529450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8347</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>1463920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13821</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ORANGE</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>684060106</cusip>
    <value>178394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15526</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68622V106</cusip>
    <value>184606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10634</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>219487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2733</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PGIM ETF TR</nameOfIssuer>
    <titleOfClass>PGIM ULTRA SH BD</titleOfClass>
    <cusip>69344A107</cusip>
    <value>8800163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>177817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>177817</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>1323583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10781</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69351T106</cusip>
    <value>2657662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112804</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>112804</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>504815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12633</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>TRENDPILOT 100</titleOfClass>
    <cusip>69374H303</cusip>
    <value>3918828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>63783</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>TRENDPILOT US BD</titleOfClass>
    <cusip>69374H642</cusip>
    <value>412428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21161</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>GLOBL CASH ETF</titleOfClass>
    <cusip>69374H709</cusip>
    <value>3217588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>98881</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>LUNT LRGCP MULTI</titleOfClass>
    <cusip>69374H816</cusip>
    <value>4024166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>109056</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>PACER US SMALL</titleOfClass>
    <cusip>69374H857</cusip>
    <value>9239594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>221573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>221573</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>EMRG MKT CASH</titleOfClass>
    <cusip>69374H865</cusip>
    <value>1145940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>59809</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>DEVELOPED MRKT</titleOfClass>
    <cusip>69374H873</cusip>
    <value>1373363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>45978</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>33193975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>671535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>671535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>695156109</cusip>
    <value>207139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1349</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>69608A108</cusip>
    <value>1764816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>110301</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>697435105</cusip>
    <value>1196113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>704326107</cusip>
    <value>872356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7564</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>2678579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>45819</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>8054161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>47534</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>5474908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>165056</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>2571687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27778</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718546104</cusip>
    <value>957956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7973</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVE BD ETF</titleOfClass>
    <cusip>72201R775</cusip>
    <value>1322631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>15047</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVE BD ETF</titleOfClass>
    <cusip>72201R775</cusip>
    <value>604576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6878</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>INV GRD CRP BD</titleOfClass>
    <cusip>72201R817</cusip>
    <value>3611450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>39634</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>921088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9198</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>INTER MUN BD ACT</titleOfClass>
    <cusip>72201R866</cusip>
    <value>260014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5193</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>SHTRM MUN BD ACT</titleOfClass>
    <cusip>72201R874</cusip>
    <value>775711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15847</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO DYNAMIC INCOME FD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>72201Y101</cusip>
    <value>245048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14181</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>PINNACLE WEST CAP CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>375694</value>
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      <sshPrnamt>5099</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>5099</Sole>
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      <None>0</None>
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    <nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>723787107</cusip>
    <value>450607</value>
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      <sshPrnamt>1963</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1963</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PLAINS ALL AMERN PIPELINE L</nameOfIssuer>
    <titleOfClass>UNIT LTD PARTN</titleOfClass>
    <cusip>726503105</cusip>
    <value>194273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12681</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>12681</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PLBY GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>72814P109</cusip>
    <value>8310</value>
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      <sshPrnamt>10375</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10375</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PLUG POWER INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>72919P202</cusip>
    <value>82012</value>
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      <sshPrnamt>10791</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10791</Sole>
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      <None>0</None>
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    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74251V102</cusip>
    <value>431699</value>
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      <sshPrnamt>5990</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>5990</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>9027567</value>
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      <sshPrnamt>61892</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>61892</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>743315103</cusip>
    <value>296988</value>
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      <sshPrnamt>2132</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>2132</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74340W103</cusip>
    <value>365692</value>
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      <sshPrnamt>3259</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>3259</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>LONG ONLINE SHRT</titleOfClass>
    <cusip>74347B375</cusip>
    <value>736172</value>
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      <sshPrnamt>20960</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20960</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>LONG ONLINE SHRT</titleOfClass>
    <cusip>74347B375</cusip>
    <value>439034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12500</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
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      <Sole>12500</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>SP500 EX ENRGY</titleOfClass>
    <cusip>74347B581</cusip>
    <value>904020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9954</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>9954</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MDCP 400 DIV</titleOfClass>
    <cusip>74347B680</cusip>
    <value>392631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5883</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>5883</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>RUSS 2000 DIVD</titleOfClass>
    <cusip>74347B698</cusip>
    <value>1084412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19166</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>19166</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 DV ARIST</titleOfClass>
    <cusip>74348A467</cusip>
    <value>10832941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122337</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>122337</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>HGH YLD INT RATE</titleOfClass>
    <cusip>74348A541</cusip>
    <value>2103799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34197</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>34197</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744320102</cusip>
    <value>3178720</value>
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      <sshPrnamt>33499</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>33499</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744573106</cusip>
    <value>1907908</value>
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      <sshPrnamt>33525</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>33525</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74460D109</cusip>
    <value>306737</value>
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      <sshPrnamt>1164</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1164</Sole>
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      <None>0</None>
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    <nameOfIssuer>PURECYCLE TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74623V103</cusip>
    <value>57054</value>
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      <sshPrnamt>10170</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10170</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>QUAD / GRAPHICS INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>747301109</cusip>
    <value>76174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15144</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>15144</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>1520634</value>
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      <sshPrnamt>13692</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>13692</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>QUANTUMSCAPE CORP</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>74767V109</cusip>
    <value>74393</value>
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      <sshPrnamt>11120</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>11120</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RBB FD INC</nameOfIssuer>
    <titleOfClass>US TREAS 3 MNTH</titleOfClass>
    <cusip>74933W452</cusip>
    <value>2666127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53248</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>53248</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RBB FD INC</nameOfIssuer>
    <titleOfClass>US TREASY 2 YR</titleOfClass>
    <cusip>74933W486</cusip>
    <value>252840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5273</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>5273</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RBB FD INC</nameOfIssuer>
    <titleOfClass>MOTLEY FOL ETF</titleOfClass>
    <cusip>74933W601</cusip>
    <value>979867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24933</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>24933</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>1668409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23182</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>23182</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>756109104</cusip>
    <value>1321163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26455</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>26455</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75886F107</cusip>
    <value>790865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>961</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>760759100</cusip>
    <value>252955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1775</Sole>
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      <None>0</None>
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    <nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>767204100</cusip>
    <value>467563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>7347</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>76954A103</cusip>
    <value>237701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9790</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROBLOX CORP</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>771049103</cusip>
    <value>264723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>9141</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROKU INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>77543R102</cusip>
    <value>359303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>5090</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>776696106</cusip>
    <value>683319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1411</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SHELL PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>493215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7661</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>270403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>740</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>83724950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>195857</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>17537278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>102288</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>211532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5858</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>2385276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>24529</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>39967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>411</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>S&amp;P CHINA ETF</titleOfClass>
    <cusip>78463X400</cusip>
    <value>1067025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14913</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>5780658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>86227</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>10244288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>305162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>305162</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>3131297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>56197</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>2237871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>41845</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>127389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>S&amp;P INTL ETF</titleOfClass>
    <cusip>78463X772</cusip>
    <value>586706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17833</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>MSCI ACWI EXUS</titleOfClass>
    <cusip>78463X848</cusip>
    <value>527792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21205</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>4163815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>142890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
    <cusip>78463X889</cusip>
    <value>15694440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>506109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>506109</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
    <cusip>78463X889</cusip>
    <value>51177354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1650350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1650350</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>680215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4705</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>13494209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>184171</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLOOMBERG</titleOfClass>
    <cusip>78464A284</cusip>
    <value>1867631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>78406</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>ICE PFD SEC ETF</titleOfClass>
    <cusip>78464A292</cusip>
    <value>434412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13383</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>26292383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>363305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>363305</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BBG CONV SEC ETF</titleOfClass>
    <cusip>78464A359</cusip>
    <value>1557908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22978</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
    <cusip>78464A375</cusip>
    <value>215936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6866</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORT MTG BK ETF</titleOfClass>
    <cusip>78464A383</cusip>
    <value>11299808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>543260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>543260</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>125483904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2116800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>2116800</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>148352350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2502570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2502570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT</titleOfClass>
    <cusip>78464A474</cusip>
    <value>2281389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>77810</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>43558182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1055700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>1055700</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>68833645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1668290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1668290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>HLTH CR EQUIP</titleOfClass>
    <cusip>78464A581</cusip>
    <value>1689825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21645</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>DJ REIT ETF</titleOfClass>
    <cusip>78464A607</cusip>
    <value>2130977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25693</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>AEROSPACE DEF</titleOfClass>
    <cusip>78464A631</cusip>
    <value>1231419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10985</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO AGRGTE</titleOfClass>
    <cusip>78464A649</cusip>
    <value>26106110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1072560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1072560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI TIPS ETF</titleOfClass>
    <cusip>78464A656</cusip>
    <value>458944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18476</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
    <cusip>78464A664</cusip>
    <value>5674524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>216999</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI INTRMDIT</titleOfClass>
    <cusip>78464A672</cusip>
    <value>5535430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>201069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>201069</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>388461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9300</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>784665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14946</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>14303219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>124365</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>273390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7419</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>10303420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>196293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>196293</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>1784987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25817</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>4708058</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>1160281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17889</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>14308733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>326758</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>13240042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>263431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>263431</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>2180450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29861</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P HOMEBUILD</titleOfClass>
    <cusip>78464A888</cusip>
    <value>1037906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>BLACKSTONE SENR</titleOfClass>
    <cusip>78467V608</cusip>
    <value>1652503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>39411</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>1066469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27593</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>4649776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13882</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>2695089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5902</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO SH TSR</titleOfClass>
    <cusip>78468R101</cusip>
    <value>10096372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>351545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>351545</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG INVT</titleOfClass>
    <cusip>78468R200</cusip>
    <value>212398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6914</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
    <cusip>78468R408</cusip>
    <value>1550422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>63386</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG 3-12 M</titleOfClass>
    <cusip>78468R523</cusip>
    <value>6934745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>69745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ESG ETF</titleOfClass>
    <cusip>78468R531</cusip>
    <value>1023979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24679</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>306470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2072</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
    <cusip>78468R606</cusip>
    <value>2040825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>91027</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>5414418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>59894</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>1703136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18840</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>106152184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1156090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1156090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
    <cusip>78468R739</cusip>
    <value>1315844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28463</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>RUSSELL LOW VOL</titleOfClass>
    <cusip>78468R754</cusip>
    <value>3408774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32502</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>RUSSELL YIELD</titleOfClass>
    <cusip>78468R770</cusip>
    <value>2535315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27733</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>2226700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>63493</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>SPDR S&amp;P 500 ETF</titleOfClass>
    <cusip>78468R796</cusip>
    <value>1909108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>54970</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>3576211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26783</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>14242736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>385982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>385982</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>208083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11509</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>1549765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15670</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>67351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>681</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>MSCI EAFE FS ETF</titleOfClass>
    <cusip>78470E106</cusip>
    <value>657380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18532</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>2731041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>80105N105</cusip>
    <value>317066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5911</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>486280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8341</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>7320201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>133337</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>1940461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>38926</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>6276677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>124045</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>6631991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>91199</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>619138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9605</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>1424326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21045</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>948062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22889</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
    <cusip>808524706</cusip>
    <value>374254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15633</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>3744724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>118242</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>SCHWAB FDT US LG</titleOfClass>
    <cusip>808524771</cusip>
    <value>1029064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18386</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>23203124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>327913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>327913</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL EQTY ETF</titleOfClass>
    <cusip>808524805</cusip>
    <value>562819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16573</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US TIPS ETF</titleOfClass>
    <cusip>808524870</cusip>
    <value>775880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15367</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL SCEQT ETF</titleOfClass>
    <cusip>808524888</cusip>
    <value>524643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>4384111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>55813</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>17024964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>132243</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>11328672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>164637</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>4800263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29819</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>20494757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>226737</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>5358713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>161553</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>INDL</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>14197863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>140046</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>144455116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>881200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>881200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>19633732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>119769</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>COMMUNICATION</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>4061340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61939</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>61939</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>3139074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>92136</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>3994275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>67780</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>221400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>135000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>960852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1719</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>346103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1357</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>82509L107</cusip>
    <value>2954966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>54150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>828806109</cusip>
    <value>615879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5701</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMPLIFY EXCHANGE TRADED FUN</nameOfIssuer>
    <titleOfClass>HEDGED EQUITY</titleOfClass>
    <cusip>82889N764</cusip>
    <value>541645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22228</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIRIUS XM HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>82968B103</cusip>
    <value>1048536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>231977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>231977</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>83304A106</cusip>
    <value>464986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>52187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOFI TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83406F102</cusip>
    <value>253866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31773</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31773</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>SPROTT PHYSICAL GOLD TR</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
    <cusip>85207H104</cusip>
    <value>5883873</value>
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    <nameOfIssuer>SPROTT FDS TR</nameOfIssuer>
    <titleOfClass>URANIUM MINERS E</titleOfClass>
    <cusip>85208P303</cusip>
    <value>1613639</value>
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      <sshPrnamt>34209</sshPrnamt>
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    <nameOfIssuer>SPROTT PHYSICAL GOLD &amp; SILVE</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
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    <nameOfIssuer>BLOCK INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>852234103</cusip>
    <value>1046439</value>
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    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>3675991</value>
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      <sshPrnamt>40276</sshPrnamt>
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    <nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>858119100</cusip>
    <value>213153</value>
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      <sshPrnamt>1988</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>1988</Sole>
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    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>577966</value>
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      <sshPrnamt>2115</sshPrnamt>
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    <otherManager>10</otherManager>
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      <None>0</None>
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    <nameOfIssuer>SUNOPTA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>8676EP108</cusip>
    <value>34387</value>
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      <sshPrnamt>10204</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>10204</Sole>
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      <None>0</None>
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    <nameOfIssuer>SUPER MICRO COMPUTER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>86800U104</cusip>
    <value>253379</value>
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      <sshPrnamt>924</sshPrnamt>
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      <Sole>924</Sole>
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      <None>0</None>
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    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>240224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3637</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3637</Sole>
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      <None>0</None>
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    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
    <value>1049228</value>
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      <sshPrnamt>11805</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>11805</Sole>
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      <None>0</None>
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    <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872590104</cusip>
    <value>397882</value>
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      <sshPrnamt>2841</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>874039100</cusip>
    <value>2054751</value>
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      <Sole>23645</Sole>
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    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>1311581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11862</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>11862</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TEKLA HEALTHCARE INVS</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>87911J103</cusip>
    <value>246763</value>
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      <sshPrnamt>15869</sshPrnamt>
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    <nameOfIssuer>TELADOC HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87918A105</cusip>
    <value>210067</value>
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      <sshPrnamt>11300</sshPrnamt>
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    <nameOfIssuer>TENCENT MUSIC ENTMT GROUP</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>88034P109</cusip>
    <value>75922</value>
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      <sshPrnamt>11900</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
    <value>25225929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100815</sshPrnamt>
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    <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>882508104</cusip>
    <value>3644191</value>
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      <sshPrnamt>22918</sshPrnamt>
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    <nameOfIssuer>THE TRADE DESK INC</nameOfIssuer>
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    <cusip>88339J105</cusip>
    <value>3955875</value>
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      <sshPrnamt>50619</sshPrnamt>
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    <nameOfIssuer>THE REALREAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88339P101</cusip>
    <value>36566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17330</sshPrnamt>
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      <Sole>17330</Sole>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>1088266</value>
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      <sshPrnamt>2150</sshPrnamt>
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      <Sole>2150</Sole>
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    <nameOfIssuer>3M CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>849789</value>
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      <sshPrnamt>9077</sshPrnamt>
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      <Sole>9077</Sole>
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    <nameOfIssuer>TORONTO DOMINION BK ONT</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>891160509</cusip>
    <value>2252097</value>
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    <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>89151E109</cusip>
    <value>644645</value>
    <shrsOrPrnAmt>
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      <Sole>9803</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>506261</value>
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      <sshPrnamt>3100</sshPrnamt>
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    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
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      <sshPrnamt>9944</sshPrnamt>
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      <Sole>9944</Sole>
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    <nameOfIssuer>TWILIO INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>90138F102</cusip>
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      <sshPrnamt>3747</sshPrnamt>
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      <Sole>3747</Sole>
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    <nameOfIssuer>UFP TECHNOLOGIES INC</nameOfIssuer>
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    <cusip>902673102</cusip>
    <value>250570</value>
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      <sshPrnamt>1552</sshPrnamt>
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    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>902973304</cusip>
    <value>300582</value>
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      <Sole>9092</Sole>
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    <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>90353T100</cusip>
    <value>2359149</value>
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      <sshPrnamt>51297</sshPrnamt>
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      <Sole>51297</Sole>
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    <nameOfIssuer>UNDER ARMOUR INC</nameOfIssuer>
    <titleOfClass>CL C</titleOfClass>
    <cusip>904311206</cusip>
    <value>101040</value>
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      <sshPrnamt>15837</sshPrnamt>
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      <Sole>15837</Sole>
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    <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>904767704</cusip>
    <value>355384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7194</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>7194</Sole>
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    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>2193299</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10771</Sole>
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  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>2386058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15308</sshPrnamt>
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      <Sole>15308</Sole>
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    <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>911363109</cusip>
    <value>547266</value>
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      <sshPrnamt>1231</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>1231</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITED STS COMMODITY INDEX F</nameOfIssuer>
    <titleOfClass>COMM IDX FND</titleOfClass>
    <cusip>911717106</cusip>
    <value>1909328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITED STS NAT GAS FD LP</nameOfIssuer>
    <titleOfClass>UNIT PAR</titleOfClass>
    <cusip>912318300</cusip>
    <value>219072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED STATES STL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>912909108</cusip>
    <value>385278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11862</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>10631350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21086</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL HLTH SVCS INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>913903100</cusip>
    <value>220908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1757</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>417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VAIL RESORTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91879Q109</cusip>
    <value>502359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2264</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALE S A</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>91912E105</cusip>
    <value>221716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16546</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1301606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>919794107</cusip>
    <value>373807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43669</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>GOLD MINERS ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>644037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23933</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>PREFERRED SECURT</titleOfClass>
    <cusip>92189F429</cusip>
    <value>442859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26345</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>MORTGAGE REIT</titleOfClass>
    <cusip>92189F452</cusip>
    <value>420758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37006</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>IG FLOATING RATE</titleOfClass>
    <cusip>92189F486</cusip>
    <value>7398994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>292566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>292566</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>MRNGSTR WDE MOAT</titleOfClass>
    <cusip>92189F643</cusip>
    <value>7726276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>101876</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>SEMICONDUCTR ETF</titleOfClass>
    <cusip>92189F676</cusip>
    <value>2138890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14753</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>RETAIL ETF</titleOfClass>
    <cusip>92189F684</cusip>
    <value>418500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2493</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>PHARMACEUTCL ETF</titleOfClass>
    <cusip>92189F692</cusip>
    <value>1649109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>AGRIBUSINESS ETF</titleOfClass>
    <cusip>92189F700</cusip>
    <value>381380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4846</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>VANECK VIETNAM</titleOfClass>
    <cusip>92189F817</cusip>
    <value>300222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>OIL SERVICES ETF</titleOfClass>
    <cusip>92189H607</cusip>
    <value>997511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2891</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>28866652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>185781</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>18494853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>345569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>345569</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>868980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17228</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>646967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8601</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA GRWTH IND</titleOfClass>
    <cusip>921910816</cusip>
    <value>502357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA CAP VAL ETF</titleOfClass>
    <cusip>921910840</cusip>
    <value>2413726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23804</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23804</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>19485303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78939</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>78939</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>1338507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9002</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>291018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3777</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>652248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6916</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>667037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7632</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>378622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4193</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>904381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12507</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>1186183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15780</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>923614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12287</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>7257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>104</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>39008695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>559024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>559024</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>8018248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>183400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>183400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>21902146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>500964</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>43305441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>419139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>419139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>INTL HIGH ETF</titleOfClass>
    <cusip>921946794</cusip>
    <value>21591936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>348876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>348876</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>INTL DVD ETF</titleOfClass>
    <cusip>921946810</cusip>
    <value>3902179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>54706</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>1973940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>41750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>1125737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>23810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>2716803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>57462</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>876246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18320</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>257038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5374</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>797286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20480</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>469107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>12050</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>5411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>139</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>262526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2472</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>270315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2901</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>596246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11495</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>6431538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>164028</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>31723164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>809058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>809058</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>3999424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>59800</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>70558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1055</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>17402172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>300400</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>491536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF</titleOfClass>
    <cusip>92204A108</cusip>
    <value>334827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>CONSUM STP ETF</titleOfClass>
    <cusip>92204A207</cusip>
    <value>1827065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10002</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>ENERGY ETF</titleOfClass>
    <cusip>92204A306</cusip>
    <value>211529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1669</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>FINANCIALS ETF</titleOfClass>
    <cusip>92204A405</cusip>
    <value>2612729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32529</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>4205939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF</titleOfClass>
    <cusip>92204A603</cusip>
    <value>797468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>146501190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>353100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>353100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>7057449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17010</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>MATERIALS ETF</titleOfClass>
    <cusip>92204A801</cusip>
    <value>518423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3005</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>UTILITIES ETF</titleOfClass>
    <cusip>92204A876</cusip>
    <value>856304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6714</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>92206C102</cusip>
    <value>751910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13054</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>2674138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35584</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000GRW</titleOfClass>
    <cusip>92206C623</cusip>
    <value>1298439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7961</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX</titleOfClass>
    <cusip>92206C664</cusip>
    <value>459145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6427</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6427</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW</titleOfClass>
    <cusip>92206C680</cusip>
    <value>194013712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2834800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>2834800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW</titleOfClass>
    <cusip>92206C680</cusip>
    <value>23228810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>339404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>339404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INTER TERM TREAS</titleOfClass>
    <cusip>92206C706</cusip>
    <value>24419681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>427291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>427291</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL</titleOfClass>
    <cusip>92206C714</cusip>
    <value>69966336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1049600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>1049600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL</titleOfClass>
    <cusip>92206C714</cusip>
    <value>340633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5110</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>435611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>LONG TERM TREAS</titleOfClass>
    <cusip>92206C847</cusip>
    <value>355097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6397</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>51154067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>673257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>673257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>3083876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>40588</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92276F100</cusip>
    <value>232853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5527</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>2876813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>59809</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>23668029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>60270</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>63873048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162651</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>162651</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>32111392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>245200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>25310901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>193272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>193272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>3077366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>15800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>24718845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>126913</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>2685249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35491</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>1550877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7241</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>31916660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>200117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>48694842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>233840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>233840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>37481876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>191537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>191537</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>22508851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>115023</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>EXTEND MKT ETF</titleOfClass>
    <cusip>922908652</cusip>
    <value>731126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>133244551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>489312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>489312</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>53278541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>195654</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>101847650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>738401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>738401</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>53670494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>389114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>389114</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>48369022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>255826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>255826</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>51846732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>244088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>244088</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>4451027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>137335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92532F100</cusip>
    <value>475013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIATRIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92556V106</cusip>
    <value>406469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>41224</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>925652109</cusip>
    <value>378591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13010</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VCSHS US DISCVRY</titleOfClass>
    <cusip>92647N774</cusip>
    <value>228176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4731</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>2254342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>40357</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>WSFS FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>380111</value>
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    <nameOfIssuer>WP CAREY INC</nameOfIssuer>
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    <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
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    <nameOfIssuer>WALMART INC</nameOfIssuer>
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    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
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      <Sole>17642</Sole>
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    <nameOfIssuer>WARNER BROS DISCOVERY INC</nameOfIssuer>
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    <cusip>934423104</cusip>
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      <Sole>21472</Sole>
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    <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
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    <cusip>94106L109</cusip>
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      <Sole>7351</Sole>
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    <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
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    <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
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      <Sole>300</Sole>
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    <nameOfIssuer>WELLTOWER INC</nameOfIssuer>
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      <sshPrnamt>3361</sshPrnamt>
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      <Sole>3361</Sole>
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    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC</nameOfIssuer>
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      <Sole>1028</Sole>
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    <nameOfIssuer>WESTERN ALLIANCE BANCORP</nameOfIssuer>
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      <Sole>28141</Sole>
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      <Sole>11791</Sole>
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    <nameOfIssuer>WEYERHAEUSER CO MTN BE</nameOfIssuer>
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      <Sole>8039</Sole>
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    <nameOfIssuer>WHIRLPOOL CORP</nameOfIssuer>
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      <Sole>2128</Sole>
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    <nameOfIssuer>WHITESTONE REIT</nameOfIssuer>
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    <nameOfIssuer>WILLIAMS COS INC</nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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      <sshPrnamt>75977</sshPrnamt>
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      <Sole>13884</Sole>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>INTL SMCAP DIV</titleOfClass>
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      <Sole>25505</Sole>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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      <Sole>283434</Sole>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>JAPN HEDGE EQT</titleOfClass>
    <cusip>97717W851</cusip>
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      <sshPrnamt>5561</sshPrnamt>
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      <Sole>5561</Sole>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>CURRNCY INT EQ</titleOfClass>
    <cusip>97717X263</cusip>
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      <sshPrnamt>12219</sshPrnamt>
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      <Sole>12219</Sole>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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    <cusip>97717X511</cusip>
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      <Sole>514577</Sole>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>EM EX ST-OWNED</titleOfClass>
    <cusip>97717X578</cusip>
    <value>1858632</value>
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      <sshPrnamt>69690</sshPrnamt>
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      <Sole>69690</Sole>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>ITL HDG QTLY DIV</titleOfClass>
    <cusip>97717X594</cusip>
    <value>382131</value>
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      <sshPrnamt>9864</sshPrnamt>
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      <Sole>9864</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US QTLY DIV GRT</titleOfClass>
    <cusip>97717X669</cusip>
    <value>41282087</value>
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      <sshPrnamt>650214</sshPrnamt>
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      <Sole>650214</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>EUROPE HEDGED EQ</titleOfClass>
    <cusip>97717X701</cusip>
    <value>523810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13261</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>13261</Sole>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>FLOATNG RAT TREA</titleOfClass>
    <cusip>97717Y527</cusip>
    <value>9235280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>183531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>183531</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XPENG INC</nameOfIssuer>
    <titleOfClass>ADS</titleOfClass>
    <cusip>98422D105</cusip>
    <value>524453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28565</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>988498101</cusip>
    <value>212398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>98978V103</cusip>
    <value>473400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2721</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC</nameOfIssuer>
    <titleOfClass>ORD</titleOfClass>
    <cusip>G0250X107</cusip>
    <value>256599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28013</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28013</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC</nameOfIssuer>
    <titleOfClass>SHS CL A</titleOfClass>
    <cusip>G0403H108</cusip>
    <value>422134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1302</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
    <titleOfClass>SHS CLASS A</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>1967961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6408</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROOKFIELD INFRAST PARTNERS</nameOfIssuer>
    <titleOfClass>LP INT UNIT</titleOfClass>
    <cusip>G16252101</cusip>
    <value>273626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9307</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G29183103</cusip>
    <value>250604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G491BT108</cusip>
    <value>388541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26759</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G51502105</cusip>
    <value>474633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G54950103</cusip>
    <value>923800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2481</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>1188878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NU HLDGS LTD</nameOfIssuer>
    <titleOfClass>ORD SHS CL A</titleOfClass>
    <cusip>G6683N103</cusip>
    <value>213969</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29513</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>240245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>323304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1553</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ON HLDG AG</nameOfIssuer>
    <titleOfClass>NAMEN AKT A</titleOfClass>
    <cusip>H5919C104</cusip>
    <value>896611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32229</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>L8681T102</cusip>
    <value>403456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2609</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>1712412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2909</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
    <titleOfClass>SHS - A -</titleOfClass>
    <cusip>N53745100</cusip>
    <value>1389154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14669</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>N6596X109</cusip>
    <value>536185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2682</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAFE BULKERS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>Y7388L103</cusip>
    <value>37211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>

<infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>INTL CORE EQT MK</titleOfClass>
    <cusip>25434V203</cusip>
    <value>3835428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3835428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MANAGED PORTFOLIO SERIES</nameOfIssuer>
    <titleOfClass>ECOFIN GBL WATER</titleOfClass>
    <cusip>56167N753</cusip>
    <value>810952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>810952</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>US QUALTY FCTR</titleOfClass>
    <cusip>46641Q761</cusip>
    <value>13534423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>312790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13534423</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RBB FD INC</nameOfIssuer>
    <titleOfClass>US TREASRY 12 MT</titleOfClass>
    <cusip>74933W478</cusip>
    <value>1475443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1475443</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>MORNINGSTAR SMID</titleOfClass>
    <cusip>92189H730</cusip>
    <value>406705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>406705</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>NOTE  2.125% 9/0</titleOfClass>
    <cusip>007903BD8</cusip>
    <value>3895978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3895978</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>NOTE         3/1</titleOfClass>
    <cusip>345370CZ1</cusip>
    <value>3528000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3528000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN DIGITAL CORP.</nameOfIssuer>
    <titleOfClass>NOTE  1.500% 2/0</titleOfClass>
    <cusip>958102AP0</cusip>
    <value>294901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>294901</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>

</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
