<SEC-DOCUMENT>0001532155-24-000007.txt : 20240213
<SEC-HEADER>0001532155-24-000007.hdr.sgml : 20240213
<ACCEPTANCE-DATETIME>20240212174750
ACCESSION NUMBER:		0001532155-24-000007
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20231231
FILED AS OF DATE:		20240213
DATE AS OF CHANGE:		20240212
EFFECTIVENESS DATE:		20240213

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Equitable Holdings, Inc.
		CENTRAL INDEX KEY:			0001333986
		STANDARD INDUSTRIAL CLASSIFICATION:	INSURANCE AGENTS BROKERS & SERVICES [6411]
		ORGANIZATION NAME:           	02 Finance
		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:		24621646

	BUSINESS ADDRESS:	
		STREET 1:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105
		BUSINESS PHONE:		(212) 554-1234

	MAIL ADDRESS:	
		STREET 1:		1345 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10105

	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>10105</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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      <title>Lead Director, Equitable Life Insurance Company</title>
      <phone>201-743-5046</phone>
      <signature>Anthony Bruccoleri</signature>
      <city>Charlotte</city>
      <stateOrCountry>NC</stateOrCountry>
      <signatureDate>02-08-2024</signatureDate>
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    <cusip>025072604</cusip>
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    <cusip>025072505</cusip>
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    <cusip>025072349</cusip>
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    <cusip>025072307</cusip>
    <value>8685673</value>
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    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
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    <nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03027X100</cusip>
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    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
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      <Sole>4636</Sole>
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    <nameOfIssuer>AMN HEALTHCARE SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>001744101</cusip>
    <value>215130</value>
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      <sshPrnamt>2873</sshPrnamt>
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    <nameOfIssuer>AMPLIFY ETF TR</nameOfIssuer>
    <titleOfClass>CWP ENHANCED DIV</titleOfClass>
    <cusip>032108409</cusip>
    <value>531846</value>
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      <sshPrnamt>14551</sshPrnamt>
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    <nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>032654105</cusip>
    <value>370132</value>
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      <sshPrnamt>1864</sshPrnamt>
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    <nameOfIssuer>ANNALY CAPITAL MANAGEMENT IN</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>035710839</cusip>
    <value>330510</value>
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      <sshPrnamt>17063</sshPrnamt>
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    <nameOfIssuer>AON PLC</nameOfIssuer>
    <titleOfClass>SHS CL A</titleOfClass>
    <cusip>G0403H108</cusip>
    <value>547796</value>
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      <sshPrnamt>1882</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>1882</Sole>
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    <nameOfIssuer>APOLLO GLOBAL MGMT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03769M106</cusip>
    <value>412676</value>
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      <sshPrnamt>4428</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>4428</Sole>
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    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>113877452</value>
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      <sshPrnamt>591479</sshPrnamt>
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      <Sole>591479</Sole>
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    <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>038222105</cusip>
    <value>1165298</value>
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      <sshPrnamt>7190</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>7190</Sole>
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    <nameOfIssuer>ARCHER DANIELS MIDLAND CO</nameOfIssuer>
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    <cusip>039483102</cusip>
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      <sshPrnamt>4292</sshPrnamt>
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    <nameOfIssuer>ARES CAPITAL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04010L103</cusip>
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    <titleOfClass>COM</titleOfClass>
    <cusip>040413106</cusip>
    <value>218553</value>
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      <sshPrnamt>928</sshPrnamt>
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    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
    <titleOfClass>FINTECH INNOVA</titleOfClass>
    <cusip>00214Q708</cusip>
    <value>555434</value>
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      <sshPrnamt>20139</sshPrnamt>
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    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
    <titleOfClass>NEXT GNRTN INTER</titleOfClass>
    <cusip>00214Q401</cusip>
    <value>1012870</value>
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    <titleOfClass>INNOVATION ETF</titleOfClass>
    <cusip>00214Q104</cusip>
    <value>2526240</value>
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    <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS</titleOfClass>
    <cusip>N07059210</cusip>
    <value>2195076</value>
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    <nameOfIssuer>ASTRAZENECA PLC</nameOfIssuer>
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    <cusip>046353108</cusip>
    <value>294095</value>
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    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
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    <nameOfIssuer>ATLANTIC UN BANKSHARES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04911A107</cusip>
    <value>327873</value>
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    <nameOfIssuer>AURORA INNOVATION INC</nameOfIssuer>
    <titleOfClass>CLASS A COM</titleOfClass>
    <cusip>051774107</cusip>
    <value>49818</value>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053015103</cusip>
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    <nameOfIssuer>AUTOZONE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053332102</cusip>
    <value>731728</value>
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      <sshPrnamt>283</sshPrnamt>
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      <Sole>283</Sole>
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    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053611109</cusip>
    <value>283287</value>
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      <sshPrnamt>1401</sshPrnamt>
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    <nameOfIssuer>AXON ENTERPRISE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>05464C101</cusip>
    <value>514852</value>
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      <sshPrnamt>1993</sshPrnamt>
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      <Sole>1993</Sole>
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    <cusip>056752108</cusip>
    <value>2009763</value>
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    <cusip>060505682</cusip>
    <value>291282</value>
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    <titleOfClass>COM</titleOfClass>
    <cusip>060505104</cusip>
    <value>4211679</value>
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    <nameOfIssuer>BANK NOVA SCOTIA HALIFAX</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>064149107</cusip>
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    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>06684L103</cusip>
    <value>41127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15010</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>15010</Sole>
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      <None>0</None>
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    <nameOfIssuer>BAYTEX ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>07317Q105</cusip>
    <value>114570</value>
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      <sshPrnamt>34509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>34509</Sole>
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      <None>0</None>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>075887109</cusip>
    <value>659299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2704</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2704</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
    <titleOfClass>CL B NEW</titleOfClass>
    <cusip>084670702</cusip>
    <value>45088957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126420</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>126420</Sole>
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      <None>0</None>
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    <nameOfIssuer>BHP GROUP LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>088606108</cusip>
    <value>211646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>3098</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BIOGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09062X103</cusip>
    <value>281767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1089</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKROCK ETF TRUST</nameOfIssuer>
    <titleOfClass>WORLD EX US CARB</titleOfClass>
    <cusip>09290C608</cusip>
    <value>684723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15658</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>BLACKROCK ETF TRUST</nameOfIssuer>
    <titleOfClass>US CARBON TRANS</titleOfClass>
    <cusip>09290C509</cusip>
    <value>3698224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>70658</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKROCK ETF TRUST II</nameOfIssuer>
    <titleOfClass>FLEXIBLE INCOME</titleOfClass>
    <cusip>092528603</cusip>
    <value>1261380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>24132</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09247X101</cusip>
    <value>2838118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3496</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3496</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKROCK MUNI INCOME TR II</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09249N101</cusip>
    <value>294476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27573</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKROCK MUNIHOLDINGS FD IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09253N104</cusip>
    <value>129551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10878</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKROCK SCIENCE &amp; TECHNOLO</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>09258G104</cusip>
    <value>222129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>6599</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09260D107</cusip>
    <value>8207178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62689</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>62689</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKSTONE MTG TR INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>09257W100</cusip>
    <value>240676</value>
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      <sshPrnamt>11315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11315</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLOCK INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>852234103</cusip>
    <value>1743392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22539</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22539</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLOOM ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>093712107</cusip>
    <value>408510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>27602</Sole>
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      <None>0</None>
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    <nameOfIssuer>BNY MELLON MUN INCOME INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>05589T104</cusip>
    <value>74174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11411</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>11411</Sole>
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      <None>0</None>
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    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>16125366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61864</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>61864</Sole>
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      <None>0</None>
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    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09857L108</cusip>
    <value>716538</value>
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      <sshPrnamt>202</sshPrnamt>
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      <Sole>202</Sole>
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      <None>0</None>
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    <nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>101137107</cusip>
    <value>1117063</value>
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      <sshPrnamt>19323</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>19323</Sole>
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      <None>0</None>
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    <nameOfIssuer>BP PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>055622104</cusip>
    <value>1181443</value>
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      <sshPrnamt>33374</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>33374</Sole>
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    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>4567370</value>
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      <sshPrnamt>89015</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>89015</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>1764125</value>
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      <sshPrnamt>60230</sshPrnamt>
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      <Sole>60230</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>4535156</value>
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      <sshPrnamt>4063</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4063</Sole>
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    <nameOfIssuer>BROOKFIELD INFRAST PARTNERS</nameOfIssuer>
    <titleOfClass>LP INT UNIT</titleOfClass>
    <cusip>G16252101</cusip>
    <value>361530</value>
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      <sshPrnamt>11481</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>11481</Sole>
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    <nameOfIssuer>CALAMOS GBL DYN INCOME FUND</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12811L107</cusip>
    <value>57700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10000</Sole>
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      <None>0</None>
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    <nameOfIssuer>CALAMOS STRATEGIC TOTAL RETU</nameOfIssuer>
    <titleOfClass>COM SH BEN INT</titleOfClass>
    <cusip>128125101</cusip>
    <value>199045</value>
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      <sshPrnamt>13386</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>13386</Sole>
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      <None>0</None>
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    <nameOfIssuer>CAMBRIA ETF TR</nameOfIssuer>
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    <cusip>132061706</cusip>
    <value>735847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23472</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>23472</Sole>
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      <None>0</None>
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    <nameOfIssuer>CAMBRIA ETF TR</nameOfIssuer>
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    <cusip>132061201</cusip>
    <value>2577931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38152</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>38152</Sole>
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    <nameOfIssuer>CAMBRIA ETF TR</nameOfIssuer>
    <titleOfClass>GLB MOMENT ETF</titleOfClass>
    <cusip>132061508</cusip>
    <value>5690011</value>
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      <sshPrnamt>206984</sshPrnamt>
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      <Sole>206984</Sole>
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    <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>136375102</cusip>
    <value>337111</value>
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      <sshPrnamt>2683</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2683</Sole>
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    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>13646K108</cusip>
    <value>245409</value>
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      <sshPrnamt>3104</sshPrnamt>
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      <Sole>3104</Sole>
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    <nameOfIssuer>CAPITAL GROUP DIVIDEND VALUE</nameOfIssuer>
    <titleOfClass>SHS CREATION UNI</titleOfClass>
    <cusip>14020W106</cusip>
    <value>1793667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60110</sshPrnamt>
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      <Sole>60110</Sole>
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    <nameOfIssuer>CAPITAL GROUP INTL FOCUS EQT</nameOfIssuer>
    <titleOfClass>SHS CREATION UNI</titleOfClass>
    <cusip>14019W109</cusip>
    <value>245551</value>
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      <sshPrnamt>10287</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10287</Sole>
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  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>482431</value>
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      <sshPrnamt>3679</sshPrnamt>
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      <Sole>3679</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CAPITOL SER TR</nameOfIssuer>
    <titleOfClass>HULL TACTICAL</titleOfClass>
    <cusip>14064D519</cusip>
    <value>1952333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54611</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>54611</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14149Y108</cusip>
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    <nameOfIssuer>CHARTER COMMUNICATIONS INC N</nameOfIssuer>
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    <nameOfIssuer>CHENIERE ENERGY PARTNERS LP</nameOfIssuer>
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    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
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      <sshPrnamt>59893</sshPrnamt>
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    <nameOfIssuer>CHIMERA INVT CORP</nameOfIssuer>
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    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
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    <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
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    <nameOfIssuer>CINTAS CORP</nameOfIssuer>
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    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
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    <nameOfIssuer>CLIPPER RLTY INC</nameOfIssuer>
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    <nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
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    <nameOfIssuer>CME GROUP INC</nameOfIssuer>
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    <nameOfIssuer>COHEN &amp; STEERS QUALITY INCOM</nameOfIssuer>
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    <nameOfIssuer>CONTAINER STORE GROUP INC</nameOfIssuer>
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    <cusip>210751103</cusip>
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    <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
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    <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>127097103</cusip>
    <value>289649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CRISPR THERAPEUTICS AG</nameOfIssuer>
    <titleOfClass>NAMEN AKT</titleOfClass>
    <cusip>H17182108</cusip>
    <value>231057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3691</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWDSTRIKE HLDGS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>22788C105</cusip>
    <value>2173794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8514</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22822V101</cusip>
    <value>222789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1934</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>228368106</cusip>
    <value>435874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4733</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>1412799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>40750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>231021106</cusip>
    <value>487055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2033</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>3525296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>44647</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>D R HORTON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23331A109</cusip>
    <value>560055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>235851102</cusip>
    <value>819124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3541</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DBX ETF TR</nameOfIssuer>
    <titleOfClass>XTRACK MSCI EAFE</titleOfClass>
    <cusip>233051200</cusip>
    <value>1247690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DBX ETF TR</nameOfIssuer>
    <titleOfClass>XTRACK MUN INFRA</titleOfClass>
    <cusip>233051705</cusip>
    <value>5612047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>218708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>218708</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>244199105</cusip>
    <value>1746468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4368</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELTA AIR LINES INC DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>247361702</cusip>
    <value>453706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11278</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25179M103</cusip>
    <value>1147571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>299525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2056</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DICKS SPORTING GOODS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253393102</cusip>
    <value>235771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1604</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253868103</cusip>
    <value>3144583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>INTL HIGH PROFIT</titleOfClass>
    <cusip>25434V765</cusip>
    <value>208103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>INFLATION PROTE</titleOfClass>
    <cusip>25434V856</cusip>
    <value>254269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US CORE EQT MKT</titleOfClass>
    <cusip>25434V104</cusip>
    <value>289707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8713</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>CORE FIXED INCOM</titleOfClass>
    <cusip>25434V872</cusip>
    <value>550009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12972</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>597994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22107</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>1416865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>58767</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US MKTWIDE VALUE</titleOfClass>
    <cusip>25434V724</cusip>
    <value>1958542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>52621</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>2076565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US HIGH PROFITAB</titleOfClass>
    <cusip>25434V831</cusip>
    <value>2310246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>80750</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>4539583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>158505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>158505</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>7985902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>327023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>327023</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>INTERNATNAL VAL</titleOfClass>
    <cusip>25434V807</cusip>
    <value>9440066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>274740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>274740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US TARGETED VLU</titleOfClass>
    <cusip>25434V609</cusip>
    <value>11297838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>215896</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US EQUITY ETF</titleOfClass>
    <cusip>25434V401</cusip>
    <value>22099535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>426385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>426385</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>27577950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>943481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>943481</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>
    <titleOfClass>NAS100 EQL WGT</titleOfClass>
    <cusip>25459Y207</cusip>
    <value>3507058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>41435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254709108</cusip>
    <value>356908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>13500703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>149526</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DNP SELECT INCOME FD INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23325P104</cusip>
    <value>368723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43482</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>466977</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>9936</Sole>
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      <None>0</None>
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    <nameOfIssuer>DOMINOS PIZZA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25754A201</cusip>
    <value>288037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>699</Sole>
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      <None>0</None>
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    <nameOfIssuer>DOUBLELINE INCOME SOLUTIONS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>258622109</cusip>
    <value>470566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>38445</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>1701713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31031</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31031</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>DRAFTKINGS INC NEW</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>26142V105</cusip>
    <value>393919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11175</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>11175</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>DTE ENERGY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>233331107</cusip>
    <value>393897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3572</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>3572</Sole>
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      <None>0</None>
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    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>2328523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23996</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>23996</Sole>
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      <None>0</None>
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    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>277221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3604</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3604</Sole>
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      <None>0</None>
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    <nameOfIssuer>DWS MUN INCOME TR NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>233368109</cusip>
    <value>243846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27429</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27429</Sole>
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      <None>0</None>
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    <nameOfIssuer>DYADIC INTL INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26745T101</cusip>
    <value>30993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19250</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19250</Sole>
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      <None>0</None>
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    <nameOfIssuer>E L F BEAUTY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26856L103</cusip>
    <value>598867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4149</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4149</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>EASTMAN CHEM CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>277432100</cusip>
    <value>510344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5682</Sole>
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      <None>0</None>
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    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G29183103</cusip>
    <value>320267</value>
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      <sshPrnamt>1330</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1330</Sole>
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      <None>0</None>
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    <nameOfIssuer>EATON VANCE MUNI INCOME TRUS</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>27826U108</cusip>
    <value>155266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15811</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>15811</Sole>
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      <None>0</None>
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    <nameOfIssuer>EATON VANCE SHORT DURATION D</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27828V104</cusip>
    <value>277306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26715</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>26715</Sole>
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      <None>0</None>
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    <nameOfIssuer>EATON VANCE TAX-MANAGED DIVE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27828N102</cusip>
    <value>230307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18893</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>18893</Sole>
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      <None>0</None>
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    <nameOfIssuer>EATON VANCE TAX-MANAGED GLOB</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27829C105</cusip>
    <value>251799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32407</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>32407</Sole>
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      <None>0</None>
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    <nameOfIssuer>EDISON INTL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>281020107</cusip>
    <value>661562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9254</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>9254</Sole>
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      <None>0</None>
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    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>28176E108</cusip>
    <value>498294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6535</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>6535</Sole>
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      <None>0</None>
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    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
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    <cusip>532457108</cusip>
    <value>6388045</value>
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      <sshPrnamt>10959</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>10959</Sole>
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      <None>0</None>
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    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>915542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9407</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>9407</Sole>
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      <None>0</None>
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    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29250N105</cusip>
    <value>1252822</value>
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      <sshPrnamt>34781</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>34781</Sole>
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      <None>0</None>
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    <nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
    <titleOfClass>COM UT LTD PTN</titleOfClass>
    <cusip>29273V100</cusip>
    <value>1281025</value>
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      <sshPrnamt>92828</sshPrnamt>
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      <Sole>92828</Sole>
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    <nameOfIssuer>ENPHASE ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29355A107</cusip>
    <value>305508</value>
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      <sshPrnamt>2312</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2312</Sole>
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      <None>0</None>
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    <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29364G103</cusip>
    <value>624431</value>
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      <sshPrnamt>6171</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>6171</Sole>
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      <None>0</None>
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    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
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    <cusip>293792107</cusip>
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      <sshPrnamt>108760</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>108760</Sole>
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      <None>0</None>
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    <nameOfIssuer>ENTRAVISION COMMUNICATIONS C</nameOfIssuer>
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      <Sole>92979</Sole>
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    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
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      <sshPrnamt>5687</sshPrnamt>
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      <Sole>5687</Sole>
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    <nameOfIssuer>EOS ENERGY ENTERPRISES INC</nameOfIssuer>
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      <Sole>10100</Sole>
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    <nameOfIssuer>EQUINIX INC</nameOfIssuer>
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    <cusip>29444U700</cusip>
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      <sshPrnamt>3007</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3007</Sole>
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    <nameOfIssuer>EQUITABLE HLDGS INC</nameOfIssuer>
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      <Sole>12562</Sole>
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    <nameOfIssuer>ESSENTIAL UTILS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29670G102</cusip>
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      <sshPrnamt>5618</sshPrnamt>
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      <Sole>5618</Sole>
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      <None>0</None>
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    <nameOfIssuer>ETF MANAGERS TR</nameOfIssuer>
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    <cusip>26924G508</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>37183</Sole>
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    <nameOfIssuer>ETF MANAGERS TR</nameOfIssuer>
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    <cusip>26924G409</cusip>
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    <shrsOrPrnAmt>
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      <Sole>7045</Sole>
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      <Sole>11315</Sole>
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    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
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      <Sole>9736</Sole>
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  <infoTable>
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    <cusip>26922A321</cusip>
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    <nameOfIssuer>ETFIS SER TR I</nameOfIssuer>
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    <cusip>26923G822</cusip>
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      <Sole>165151</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ETFIS SER TR I</nameOfIssuer>
    <titleOfClass>INFRAC ACT MLP</titleOfClass>
    <cusip>26923G772</cusip>
    <value>5153682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>145914</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EURONET WORLDWIDE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>298736109</cusip>
    <value>456705</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>347953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6666</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVOLUTION PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30049A107</cusip>
    <value>136517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23497</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXACT SCIENCES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30063P105</cusip>
    <value>235256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3180</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>1198424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30161N101</cusip>
    <value>746027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20781</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30225T102</cusip>
    <value>743211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4636</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>6012577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>60138</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>415571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4033</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERATED HERMES ETF TRUST</nameOfIssuer>
    <titleOfClass>US STRATEGIC DIV</titleOfClass>
    <cusip>31423L305</cusip>
    <value>353571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14726</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>1542846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6099</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>207033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>612</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY COMWLTH TR</nameOfIssuer>
    <titleOfClass>NASDAQ COMPSIT</titleOfClass>
    <cusip>315912808</cusip>
    <value>312824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5281</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI ENERGY IDX</titleOfClass>
    <cusip>316092402</cusip>
    <value>633273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27486</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>2639087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>40796</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>2674764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18621</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>3239448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>70362</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>316773100</cusip>
    <value>242821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7040</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>337257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16905</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>346312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19423</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>755761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37675</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>1308082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27435</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>1321536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23490</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>2871732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>55584</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>5370972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>318563</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>INDIA NFTY50 EQW</titleOfClass>
    <cusip>33737J802</cusip>
    <value>248508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4597</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>294192</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>EM SML CP ALPH</titleOfClass>
    <cusip>33737J307</cusip>
    <value>1399024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36395</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>983054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43808</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>406753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5301</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>422424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9758</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>442658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4669</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>602228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8733</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>642930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6705</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>827588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6462</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>985984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>44294</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>1003058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>77040</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>2864144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32670</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>7438427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>138158</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>928858</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>MID CP GR ALPH</titleOfClass>
    <cusip>33737M102</cusip>
    <value>1220608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17919</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>2376614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37772</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37772</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FIRST TR TA HIYL</titleOfClass>
    <cusip>33738D408</cusip>
    <value>205740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4949</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>352648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10581</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>383687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15190</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>387163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20420</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>395199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17123</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>440486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20622</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>442712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2801</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>543483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19627</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>659070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14476</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>679515</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>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SENIOR LN FD</titleOfClass>
    <cusip>33738D309</cusip>
    <value>727934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15801</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>741490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15345</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>751644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14544</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>825505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50091</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>50091</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>1896999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36799</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>3297022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>100611</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>3543446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>61263</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>4108950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22026</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22026</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>6811502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>114172</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>8531020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>133110</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>9560618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>119448</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>45005242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>871013</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>871013</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT CBOE VEST FD</titleOfClass>
    <cusip>33740U752</cusip>
    <value>258957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9591</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>2172170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>48698</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>2174651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>102515</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>2360798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>88852</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>2889805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>116807</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>1501100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21190</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>957306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR MORNINGSTAR DIVID L</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>336917109</cusip>
    <value>3464835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>96567</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>337344105</cusip>
    <value>7741846</value>
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      <sshPrnamt>65916</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>65916</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIRST TR SML CP CORE ALPHA F</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33734Y109</cusip>
    <value>1754610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FIRST TR SPECIALTY FIN &amp; FIN</nameOfIssuer>
    <titleOfClass>COM BEN INTR</titleOfClass>
    <cusip>33733G109</cusip>
    <value>35800</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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    <nameOfIssuer>FIRST TR STOXX EUROPEAN SELE</nameOfIssuer>
    <titleOfClass>COMMON SHS</titleOfClass>
    <cusip>33735T109</cusip>
    <value>256509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21250</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>33734H106</cusip>
    <value>11970229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>295124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FIRST TRUST LRGCP GWT ALPHAD</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33735K108</cusip>
    <value>2670558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337932107</cusip>
    <value>425681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11612</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337738108</cusip>
    <value>827358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6228</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>1776412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145727</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>145727</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>NOTE         3/1</titleOfClass>
    <cusip>345370CZ1</cusip>
    <value>3582000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FORTUNA SILVER MINES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>349915108</cusip>
    <value>38600</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>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>US LOW VOLATILIT</titleOfClass>
    <cusip>35473P504</cusip>
    <value>202545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3920</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>FRANKLIN INDIA</titleOfClass>
    <cusip>35473P769</cusip>
    <value>319267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9153</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>FRANKLIN DYN MUN</titleOfClass>
    <cusip>35473P868</cusip>
    <value>548856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22624</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22624</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>US SML CP MLTFCT</titleOfClass>
    <cusip>35473P876</cusip>
    <value>902282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>23183</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>SENIOR LOAN ETF</titleOfClass>
    <cusip>35473P595</cusip>
    <value>1966186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>80946</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>FTSE CHINA</titleOfClass>
    <cusip>35473P819</cusip>
    <value>2065009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>128661</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>US MID CP MLTFCT</titleOfClass>
    <cusip>35473P884</cusip>
    <value>2586761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>53745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>US LRG CP MLTFCT</titleOfClass>
    <cusip>35473P801</cusip>
    <value>3563205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>74669</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>INTL COR DIV TIL</titleOfClass>
    <cusip>35473P108</cusip>
    <value>3889870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>126541</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FS KKR CAP CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>302635206</cusip>
    <value>2109791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>105648</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FUNKO INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>361008105</cusip>
    <value>106829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13820</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GABELLI CONV &amp; INC SECS FD I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36240B109</cusip>
    <value>239400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>66500</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GABELLI EQUITY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>362397101</cusip>
    <value>273030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>53746</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>363576109</cusip>
    <value>344395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1531</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>36266G107</cusip>
    <value>789955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10217</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10217</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>3963940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15265</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>15265</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>1654953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>12967</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>1038507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15943</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>15943</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>1712414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>47673</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
    <value>304362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2198</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>2198</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>5028728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62075</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>62075</Sole>
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      <None>0</None>
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    <nameOfIssuer>GINKGO BIOWORKS HOLDINGS INC</nameOfIssuer>
    <titleOfClass>CL A SHS</titleOfClass>
    <cusip>37611X100</cusip>
    <value>19520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>11550</Sole>
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      <None>0</None>
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    <nameOfIssuer>GLOBAL MED REIT INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>37954A204</cusip>
    <value>114024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10272</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10272</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL NET LEASE INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>379378201</cusip>
    <value>389374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39133</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>39133</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>MSCI NORWAY ETF</titleOfClass>
    <cusip>37950E101</cusip>
    <value>212878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8356</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>8356</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>GLBL X MLP ETF</titleOfClass>
    <cusip>37954Y343</cusip>
    <value>355071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8015</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>8015</Sole>
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      <None>0</None>
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    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>GLB X MLP ENRG I</titleOfClass>
    <cusip>37954Y293</cusip>
    <value>377842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>LITHIUM BTRY ETF</titleOfClass>
    <cusip>37954Y855</cusip>
    <value>417845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8203</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>CYBRSCURTY ETF</titleOfClass>
    <cusip>37954Y384</cusip>
    <value>424491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14483</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>GLOBAL X URANIUM</titleOfClass>
    <cusip>37954Y871</cusip>
    <value>442237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15971</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>ARTIFICIAL ETF</titleOfClass>
    <cusip>37954Y632</cusip>
    <value>468492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15025</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>AUTONMOUS EV ETF</titleOfClass>
    <cusip>37954Y624</cusip>
    <value>667018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27038</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>US PFD ETF</titleOfClass>
    <cusip>37954Y657</cusip>
    <value>746663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>38488</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>RUSSELL 2000</titleOfClass>
    <cusip>37954Y459</cusip>
    <value>813644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>48605</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>RBTCS ARTFL INTE</titleOfClass>
    <cusip>37954Y715</cusip>
    <value>838174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 COVERED</titleOfClass>
    <cusip>37954Y475</cusip>
    <value>885487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22452</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>NASDAQ 100 COVER</titleOfClass>
    <cusip>37954Y483</cusip>
    <value>2995988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>172779</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>US INFR DEV ETF</titleOfClass>
    <cusip>37954Y673</cusip>
    <value>7592158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>220318</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS BDC INC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>38147U107</cusip>
    <value>406450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27744</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVEBETA US LG</titleOfClass>
    <cusip>381430503</cusip>
    <value>9370456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>99888</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACCES TREASURY</titleOfClass>
    <cusip>381430529</cusip>
    <value>11776601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>118073</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVEBETA INT</titleOfClass>
    <cusip>381430107</cusip>
    <value>12224442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>374294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>374294</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>5637913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>384802104</cusip>
    <value>667656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>806</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GREYSTONE HOUSING IMPACT INV</nameOfIssuer>
    <titleOfClass>BEN UNIT CTF</titleOfClass>
    <cusip>02364V206</cusip>
    <value>2800790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>166813</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GSK PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>37733W204</cusip>
    <value>1676035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>45225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GUGGENHEIM STRATEGIC OPPORTU</nameOfIssuer>
    <titleOfClass>COM SBI</titleOfClass>
    <cusip>40167F101</cusip>
    <value>589446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>46051</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALEON PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>405552100</cusip>
    <value>231765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28161</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARBOR ETF TRUST</nameOfIssuer>
    <titleOfClass>DIVIDEND GTH LEA</titleOfClass>
    <cusip>41151J703</cusip>
    <value>3922733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>291653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>291653</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARBOR ETF TRUST</nameOfIssuer>
    <titleOfClass>LONG TERM GROWER</titleOfClass>
    <cusip>41151J406</cusip>
    <value>6600923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>319348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>319348</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARTFORD FDS EXCHANGE TRADED</nameOfIssuer>
    <titleOfClass>TOTAL RTRN ETF</titleOfClass>
    <cusip>41653L305</cusip>
    <value>800556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HAYWARD HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>421298100</cusip>
    <value>612000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>45000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40412C101</cusip>
    <value>392269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1449</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHPEAK PROPERTIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42250P103</cusip>
    <value>233525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11794</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERCULES CAPITAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427096508</cusip>
    <value>371026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427866108</cusip>
    <value>4433842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23782</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>9808613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28304</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>438516106</cusip>
    <value>5346661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25496</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOOKER FURNISHINGS CORPORATI</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>439038100</cusip>
    <value>380742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14599</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40434L105</cusip>
    <value>206089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6849</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUMANA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>444859102</cusip>
    <value>587572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1283</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>446150104</cusip>
    <value>291285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICF INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>44925C103</cusip>
    <value>287962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2148</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>452308109</cusip>
    <value>634694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2423</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEXIQ ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>IQ MACKAY INTRME</titleOfClass>
    <cusip>45409F827</cusip>
    <value>321171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13077</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEXIQ ETF TR</nameOfIssuer>
    <titleOfClass>IQ MRGR ARB ETF</titleOfClass>
    <cusip>45409B800</cusip>
    <value>13601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>433</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEXIQ ETF TR</nameOfIssuer>
    <titleOfClass>IQ MRGR ARB ETF</titleOfClass>
    <cusip>45409B800</cusip>
    <value>1039985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>33110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEXIQ ETF TR</nameOfIssuer>
    <titleOfClass>IQ MRGR ARB ETF</titleOfClass>
    <cusip>45409B800</cusip>
    <value>1802306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>57380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEXIQ ETF TR</nameOfIssuer>
    <titleOfClass>FTSE INTERNL EQT</titleOfClass>
    <cusip>45409B560</cusip>
    <value>1990428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>80033</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INNOVATE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45784J105</cusip>
    <value>32441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>3187669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>63436</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>4756247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29081</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459506101</cusip>
    <value>377650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4664</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>460146103</cusip>
    <value>518716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14349</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>461202103</cusip>
    <value>716772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>46120E602</cusip>
    <value>1592430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MANAGED ETF</nameOfIssuer>
    <titleOfClass>TOTAL RETURN</titleOfClass>
    <cusip>46090A804</cusip>
    <value>292982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6202</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MANAGED ETF</nameOfIssuer>
    <titleOfClass>INVSCO HY BD FCT</titleOfClass>
    <cusip>46090A853</cusip>
    <value>332975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MANAGED ETF</nameOfIssuer>
    <titleOfClass>VAR RATE INVT</titleOfClass>
    <cusip>46090A879</cusip>
    <value>5837289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>233585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>233585</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD</nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD</titleOfClass>
    <cusip>46090F100</cusip>
    <value>4016534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>301995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>301995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
    <cusip>46138B103</cusip>
    <value>217256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9857</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
    <titleOfClass>AGRICULTURE FD</titleOfClass>
    <cusip>46140H106</cusip>
    <value>318359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>15350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
    <titleOfClass>AGRICULTURE FD</titleOfClass>
    <cusip>46140H106</cusip>
    <value>424284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20457</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
    <titleOfClass>AGRICULTURE FD</titleOfClass>
    <cusip>46140H106</cusip>
    <value>528040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>25460</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
    <titleOfClass>ENERGY FD</titleOfClass>
    <cusip>46140H304</cusip>
    <value>309727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>16140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
    <titleOfClass>ENERGY FD</titleOfClass>
    <cusip>46140H304</cusip>
    <value>507000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>26420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
    <titleOfClass>PRECIOUS METAL</titleOfClass>
    <cusip>46140H502</cusip>
    <value>1095903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>21940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
    <titleOfClass>PRECIOUS METAL</titleOfClass>
    <cusip>46140H502</cusip>
    <value>19171809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>383820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>383820</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>155779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13581</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>INVESCO PHLX SM</titleOfClass>
    <cusip>46138G615</cusip>
    <value>201729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>DORSEY WRGT EMRG</titleOfClass>
    <cusip>46138E867</cusip>
    <value>212843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P 500 HB ETF</titleOfClass>
    <cusip>46138E370</cusip>
    <value>218263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2649</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>380620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8893</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>VAR RATE PFD</titleOfClass>
    <cusip>46138G870</cusip>
    <value>387677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16797</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P MDCP 400 REV</titleOfClass>
    <cusip>46138G672</cusip>
    <value>391764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>SOLAR ETF</titleOfClass>
    <cusip>46138G706</cusip>
    <value>483346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9060</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>524144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10656</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>2332118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43853</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>3389693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>63740</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>328375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11657</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>3393077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>120450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P EMRNG MKTS</titleOfClass>
    <cusip>46138E297</cusip>
    <value>485776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20207</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <titleOfClass>S&amp;P EMRNG MKTS</titleOfClass>
    <cusip>46138E297</cusip>
    <value>761106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>31660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P500 LOW VOL</titleOfClass>
    <cusip>46138E354</cusip>
    <value>6222765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>99310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P500 LOW VOL</titleOfClass>
    <cusip>46138E354</cusip>
    <value>40414823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>644986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>644986</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P SMLCP LOW</titleOfClass>
    <cusip>46138G102</cusip>
    <value>34792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>788</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P SMLCP LOW</titleOfClass>
    <cusip>46138G102</cusip>
    <value>1539069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>34860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>PURBTA 0 5 YR</titleOfClass>
    <cusip>46138E495</cusip>
    <value>625746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P EMRNG MMTM</titleOfClass>
    <cusip>46138E289</cusip>
    <value>836431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>55351</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>KBW HIG DV YLD</titleOfClass>
    <cusip>46138E610</cusip>
    <value>902152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>56882</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>46138G888</cusip>
    <value>929650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8803</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>FNDMNTL IG CRP</titleOfClass>
    <cusip>46138E693</cusip>
    <value>1138164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>47983</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>NASDAQNXTGEN100</titleOfClass>
    <cusip>46138G631</cusip>
    <value>1169730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43339</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P SMLCP STAP</titleOfClass>
    <cusip>46138E172</cusip>
    <value>1297932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33793</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P SMLCAP QTY</titleOfClass>
    <cusip>46138G300</cusip>
    <value>1301360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32632</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P ULTRA DIVIDE</titleOfClass>
    <cusip>46138G656</cusip>
    <value>2486460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>56898</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P INTL QULTY</titleOfClass>
    <cusip>46138E214</cusip>
    <value>5891398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>206065</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>PURBTA MSCI US</titleOfClass>
    <cusip>46138E461</cusip>
    <value>7894606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>165436</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P 500 REVENUE</titleOfClass>
    <cusip>46138G698</cusip>
    <value>8824241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>103401</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>FTSE RAFI DEV</titleOfClass>
    <cusip>46138E743</cusip>
    <value>9774681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>206243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P500 HDL VOL</titleOfClass>
    <cusip>46138E362</cusip>
    <value>12796327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>301729</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>301729</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>NASDAQ 100 ETF</titleOfClass>
    <cusip>46138G649</cusip>
    <value>16259121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>96470</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>RAFI STRATGIC US</titleOfClass>
    <cusip>46138J742</cusip>
    <value>404379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9339</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2026 MUNI</titleOfClass>
    <cusip>46138J510</cusip>
    <value>495222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20847</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2027 MUNI</titleOfClass>
    <cusip>46138J494</cusip>
    <value>508051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21255</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>RUSL 2000 DYNM</titleOfClass>
    <cusip>46138J593</cusip>
    <value>529756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13654</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>INVSC 30 MUNI BD</titleOfClass>
    <cusip>46138J445</cusip>
    <value>531175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23692</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2024 MUNI</titleOfClass>
    <cusip>46138J536</cusip>
    <value>535959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21512</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULETSHS 2029</titleOfClass>
    <cusip>46138J577</cusip>
    <value>644012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34727</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34727</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2024 HY</titleOfClass>
    <cusip>46138J833</cusip>
    <value>694727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30585</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30585</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2029 MUNI</titleOfClass>
    <cusip>46138J478</cusip>
    <value>870067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37032</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULETSHS 2029 HG</titleOfClass>
    <cusip>46138J395</cusip>
    <value>912293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43084</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>INVSCO 30 CORP</titleOfClass>
    <cusip>46138J460</cusip>
    <value>1023169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>61507</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2025 MUNI</titleOfClass>
    <cusip>46138J528</cusip>
    <value>1428397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>58218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULETSHS 2027</titleOfClass>
    <cusip>46138J585</cusip>
    <value>1928614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>86217</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>INVSCO 28 HYCORP</titleOfClass>
    <cusip>46138J452</cusip>
    <value>2297281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <cusip>46138J825</cusip>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <cusip>46137V886</cusip>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <cusip>46137V282</cusip>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
      <sshPrnamt>51913</sshPrnamt>
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  <infoTable>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>100299</sshPrnamt>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>55684</sshPrnamt>
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      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>91330</sshPrnamt>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>48121</sshPrnamt>
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  <infoTable>
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    <cusip>46137V472</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>86135</sshPrnamt>
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      <Sole>86135</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>S&amp;P 500 GARP ETF</titleOfClass>
    <cusip>46137V431</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>104767</sshPrnamt>
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    <votingAuthority>
      <Sole>61331</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI EMRG CHN</titleOfClass>
    <cusip>46434G764</cusip>
    <value>1997481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36049</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI SWITZERLAND</titleOfClass>
    <cusip>464286749</cusip>
    <value>2628330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>54451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI SPAIN ETF</titleOfClass>
    <cusip>464286764</cusip>
    <value>2716637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88721</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>88721</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI ITALY ETF</titleOfClass>
    <cusip>46434G830</cusip>
    <value>5402470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>159224</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>EMNG MKTS EQT</titleOfClass>
    <cusip>46434G889</cusip>
    <value>5706895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133152</sshPrnamt>
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      <Sole>133152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR</nameOfIssuer>
    <titleOfClass>ISHARES</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>1135762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>52147</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 5-10YR INVT</titleOfClass>
    <cusip>464288638</cusip>
    <value>202495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3894</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3894</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AWARE MSCI</titleOfClass>
    <cusip>46435U663</cusip>
    <value>232587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRNGSTR INC ETF</titleOfClass>
    <cusip>46432F875</cusip>
    <value>234390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11650</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11650</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI POLAND ETF</titleOfClass>
    <cusip>46429B606</cusip>
    <value>235560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>10400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS 27 TRM TS</titleOfClass>
    <cusip>46436E841</cusip>
    <value>255758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11423</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CALIF MUN BD ETF</titleOfClass>
    <cusip>464288356</cusip>
    <value>266324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4597</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI UAE ETF</titleOfClass>
    <cusip>46434V761</cusip>
    <value>270675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>DOW JONES US ETF</titleOfClass>
    <cusip>464287846</cusip>
    <value>273109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2344</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRNING SM CP ETF</titleOfClass>
    <cusip>464288703</cusip>
    <value>290599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4908</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI INTL</titleOfClass>
    <cusip>46435G326</cusip>
    <value>326007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5121</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. UTILITS ETF</titleOfClass>
    <cusip>464287697</cusip>
    <value>330159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOND DEC 2030</titleOfClass>
    <cusip>46436E593</cusip>
    <value>339480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NEW YORK MUN ETF</titleOfClass>
    <cusip>464288323</cusip>
    <value>339501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6277</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CONSER ALLOC ETF</titleOfClass>
    <cusip>464289883</cusip>
    <value>340097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9408</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>HDG MSCI EAFE</titleOfClass>
    <cusip>46434V803</cusip>
    <value>345331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INDIA SM CP</titleOfClass>
    <cusip>46429B614</cusip>
    <value>358446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
    <cusip>464288646</cusip>
    <value>366483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GRWT ALLOCAT ETF</titleOfClass>
    <cusip>464289867</cusip>
    <value>388091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7296</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS 26 TRM TS</titleOfClass>
    <cusip>46436E858</cusip>
    <value>408305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17865</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLB CNSM STP ETF</titleOfClass>
    <cusip>464288737</cusip>
    <value>416991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7033</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHORT TREAS BD</titleOfClass>
    <cusip>464288679</cusip>
    <value>429263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3898</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US TRSPRTION</titleOfClass>
    <cusip>464287192</cusip>
    <value>431125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1643</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOB INDSTRL ETF</titleOfClass>
    <cusip>464288729</cusip>
    <value>461467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3621</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>0-5YR INVT GR CP</titleOfClass>
    <cusip>46434V100</cusip>
    <value>489419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9948</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC24 ETF</titleOfClass>
    <cusip>46434VBG4</cusip>
    <value>505080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20276</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>HIGH YLD BD FCTR</titleOfClass>
    <cusip>46435G250</cusip>
    <value>541321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11717</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR SM CP GR</titleOfClass>
    <cusip>464288604</cusip>
    <value>550026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12501</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>BLACKROCK ULTRA</titleOfClass>
    <cusip>46434V878</cusip>
    <value>554413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11009</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US INFRASTRUC</titleOfClass>
    <cusip>46435U713</cusip>
    <value>603961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14998</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US INDUSTRIALS</titleOfClass>
    <cusip>464287754</cusip>
    <value>606433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5303</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AW MSCI EAFE</titleOfClass>
    <cusip>46435G516</cusip>
    <value>609194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CHINA LG-CAP ETF</titleOfClass>
    <cusip>464287184</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CHINA LG-CAP ETF</titleOfClass>
    <cusip>464287184</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
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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;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>179428396</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>LATN AMER 40 ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>LATN AMER 40 ETF</titleOfClass>
    <cusip>464287390</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287408</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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  <infoTable>
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  <infoTable>
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    <titleOfClass>MSCI EAFE ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
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    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <shrsOrPrnAmt>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP 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 MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <titleOfClass>EXPND TEC SC ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPND TEC SC ETF</titleOfClass>
    <cusip>464287549</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287598</cusip>
    <value>67585267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>408988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>408988</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>895931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11309</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>2371847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>29940</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>34366745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113358</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>113358</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>77451749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>255473</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>255473</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>7605776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29001</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29001</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>32062596</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>122255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>1971976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9825</sshPrnamt>
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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>16790556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>83656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US GWT</titleOfClass>
    <cusip>464287671</cusip>
    <value>5462543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>52474</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US GWT</titleOfClass>
    <cusip>464287671</cusip>
    <value>20073811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>192832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>192832</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400VL ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>914362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8018</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400VL ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>18068726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>158442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>158442</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>1845663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>17050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>46873982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>433016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>433016</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US HOME CONS ETF</titleOfClass>
    <cusip>464288752</cusip>
    <value>755339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MORNINGSTAR VALU</titleOfClass>
    <cusip>464288109</cusip>
    <value>45144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>639</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MORNINGSTAR VALU</titleOfClass>
    <cusip>464288109</cusip>
    <value>90250383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1277972</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>1277972</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP ETF</titleOfClass>
    <cusip>464288208</cusip>
    <value>501058</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>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP ETF</titleOfClass>
    <cusip>464288208</cusip>
    <value>1086606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16187</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF</titleOfClass>
    <cusip>464288273</cusip>
    <value>6800953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109870</sshPrnamt>
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    <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>18248430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>294805</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>294805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
    <cusip>464288281</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>71681</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>71681</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
    <cusip>464288281</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>100960</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>100960</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP GRW</titleOfClass>
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    <value>2737836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42480</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>42480</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP GRW</titleOfClass>
    <cusip>464288307</cusip>
    <value>5578438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86555</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>86555</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP VAL</titleOfClass>
    <cusip>464288406</cusip>
    <value>2326940</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34361</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP VAL</titleOfClass>
    <cusip>464288406</cusip>
    <value>38066157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>562111</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>562111</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL DEVPPTY ETF</titleOfClass>
    <cusip>464288422</cusip>
    <value>12440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>434</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>434</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL DEVPPTY ETF</titleOfClass>
    <cusip>464288422</cusip>
    <value>4033241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140710</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>140710</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>977018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12625</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>3915934</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>50600</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CRE U S REIT ETF</titleOfClass>
    <cusip>464288521</cusip>
    <value>31358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>578</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CRE U S REIT ETF</titleOfClass>
    <cusip>464288521</cusip>
    <value>551586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>10160</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>909900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>16760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE INTL AGGR</titleOfClass>
    <cusip>46435G672</cusip>
    <value>868188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17434</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17434</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INDIA ETF</titleOfClass>
    <cusip>46429B598</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>17860</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17860</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF</titleOfClass>
    <cusip>464288877</cusip>
    <value>1041948</value>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF</titleOfClass>
    <cusip>464288877</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NEW ZEALAND ETF</titleOfClass>
    <cusip>464289123</cusip>
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    <shrsOrPrnAmt>
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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>635285</value>
    <shrsOrPrnAmt>
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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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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INDONIA ETF</titleOfClass>
    <cusip>46429B309</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE MIN VL</titleOfClass>
    <cusip>46429B689</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE MIN VL</titleOfClass>
    <cusip>46429B689</cusip>
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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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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA MIN VOL</titleOfClass>
    <cusip>46429B697</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <titleOfClass>INTERNATIONAL SL</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE</titleOfClass>
    <cusip>46432F842</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE</titleOfClass>
    <cusip>46432F842</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE</titleOfClass>
    <cusip>46432F842</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US CONSUM DISCRE</titleOfClass>
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    <shrsOrPrnAmt>
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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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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US OIL GS EX ETF</titleOfClass>
    <cusip>464288851</cusip>
    <value>1025817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11008</sshPrnamt>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CONV BD ETF</titleOfClass>
    <cusip>46435G102</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CONV BD ETF</titleOfClass>
    <cusip>46435G102</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CONV BD ETF</titleOfClass>
    <cusip>46435G102</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>10-20 YR TRS ETF</titleOfClass>
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    <shrsOrPrnAmt>
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    <titleOfClass>MSCI NORWAY ETF</titleOfClass>
    <cusip>46429B499</cusip>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>BROAD USD HIGH</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>BROAD USD HIGH</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>BROAD USD HIGH</titleOfClass>
    <cusip>46435U853</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AWRE 1 5 YR</titleOfClass>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI EX US</titleOfClass>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE TOTAL USD</titleOfClass>
    <cusip>46434V613</cusip>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG EAFE ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL TECH ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOB HLTHCRE ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA MMENTM</titleOfClass>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA ESG SLC</titleOfClass>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH</titleOfClass>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. FIN SVC ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG ADV TTL USD</titleOfClass>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS 29 TRM TS</titleOfClass>
    <cusip>46436E825</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GL CLEAN ENE ETF</titleOfClass>
    <cusip>464288224</cusip>
    <value>1457797</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
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    <nameOfIssuer>MARRIOTT INTL INC NEW</nameOfIssuer>
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    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
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    <cusip>57636Q104</cusip>
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    <nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
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      <Sole>4878</Sole>
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    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
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      <Sole>14907</Sole>
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    <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
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    <nameOfIssuer>MEDICAL PPTYS TRUST INC</nameOfIssuer>
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    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
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    <nameOfIssuer>MPLX LP</nameOfIssuer>
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    <cusip>55336V100</cusip>
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    <nameOfIssuer>NETAPP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEUBERGER BERMAN HIGH YIELD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64128C106</cusip>
    <value>316520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>41000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW GOLD INC CDA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>644535106</cusip>
    <value>14600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW JERSEY RES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>646025106</cusip>
    <value>207368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4652</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMONT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>651639106</cusip>
    <value>656209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15854</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>2428160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>39976</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>654106103</cusip>
    <value>5036584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>46390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIO INC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>62914V106</cusip>
    <value>510822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>56320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>426276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1803</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>666807102</cusip>
    <value>1061025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2266</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>66987V109</cusip>
    <value>319798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVO-NORDISK A S</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>670100205</cusip>
    <value>3100562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29972</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NRG ENERGY INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>629377508</cusip>
    <value>329159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6367</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>245843</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>NUCOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670346105</cusip>
    <value>575817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3309</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG MIDVL</titleOfClass>
    <cusip>67092P508</cusip>
    <value>219710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6966</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
    <cusip>67092P607</cusip>
    <value>1248737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31937</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG LRGCP</titleOfClass>
    <cusip>67092P201</cusip>
    <value>1589904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22886</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG LRGVL</titleOfClass>
    <cusip>67092P300</cusip>
    <value>1617092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>45032</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67077M108</cusip>
    <value>361171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6412</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670928100</cusip>
    <value>674042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>78377</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>1822361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>78720</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>1078437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>91548</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN PFD &amp; INCOME OPPORTUN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67073B106</cusip>
    <value>84433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>41256828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>83310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>N6596X109</cusip>
    <value>646223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2814</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>674599105</cusip>
    <value>3292451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>55141</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>679580100</cusip>
    <value>223495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>551</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>680223104</cusip>
    <value>307010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10443</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>681919106</cusip>
    <value>500336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5784</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ON HLDG AG</nameOfIssuer>
    <titleOfClass>NAMEN AKT A</titleOfClass>
    <cusip>H5919C104</cusip>
    <value>1004066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37229</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>682680103</cusip>
    <value>424688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6048</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>1782674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16909</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORANGE</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>684060106</cusip>
    <value>178543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15621</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67103H107</cusip>
    <value>1351964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1423</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>252294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>DATA AND INFRAST</titleOfClass>
    <cusip>69374H741</cusip>
    <value>200770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>TRENDPILOT US BD</titleOfClass>
    <cusip>69374H642</cusip>
    <value>424937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20759</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>655822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15157</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>EMRG MKT CASH</titleOfClass>
    <cusip>69374H865</cusip>
    <value>1319302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>65409</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>DEVELOPED MRKT</titleOfClass>
    <cusip>69374H873</cusip>
    <value>1888558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>60453</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>GLOBL CASH ETF</titleOfClass>
    <cusip>69374H709</cusip>
    <value>3416414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>99691</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>LUNT LRGCP MULTI</titleOfClass>
    <cusip>69374H816</cusip>
    <value>4486642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>109457</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>TRENDPILOT 100</titleOfClass>
    <cusip>69374H303</cusip>
    <value>5845572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>89478</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>PACER US SMALL</titleOfClass>
    <cusip>69374H857</cusip>
    <value>14133644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>294267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>294267</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>39831099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>766130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>766130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>695156109</cusip>
    <value>266415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1635</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>69608A108</cusip>
    <value>2148053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>125105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>697435105</cusip>
    <value>1659585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5628</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>704326107</cusip>
    <value>601054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5046</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>2501291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>40731</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>218724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3008</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>9728775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>57282</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>5319356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184764</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>184764</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PGIM ETF TR</nameOfIssuer>
    <titleOfClass>ACTV HY BD ETF</titleOfClass>
    <cusip>69344A206</cusip>
    <value>454010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PGIM ETF TR</nameOfIssuer>
    <titleOfClass>PGIM ULTRA SH BD</titleOfClass>
    <cusip>69344A107</cusip>
    <value>11327843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>229355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>229355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>2857699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718546104</cusip>
    <value>1162445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8731</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO DYNAMIC INCOME FD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>72201Y101</cusip>
    <value>259385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ULTRA SHORT GOVT</titleOfClass>
    <cusip>72201R577</cusip>
    <value>202286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2010</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>274190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>754022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15072</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>MUNI INCOME OPP</titleOfClass>
    <cusip>72201R635</cusip>
    <value>1141450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVE BD ETF</titleOfClass>
    <cusip>72201R775</cusip>
    <value>1122417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12141</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVE BD ETF</titleOfClass>
    <cusip>72201R775</cusip>
    <value>1356889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14677</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>14677</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>3286743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32937</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>5246642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>53945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>723484101</cusip>
    <value>372632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLAINS ALL AMERN PIPELINE L</nameOfIssuer>
    <titleOfClass>UNIT LTD PARTN</titleOfClass>
    <cusip>726503105</cusip>
    <value>192117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12681</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLANET LABS PBC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>72703X106</cusip>
    <value>31258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12655</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLBY GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>72814P109</cusip>
    <value>10375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLUG POWER INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>72919P202</cusip>
    <value>51395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11421</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>1923005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12419</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693506107</cusip>
    <value>207275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1386</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69351T106</cusip>
    <value>2761897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>101915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74144T108</cusip>
    <value>212995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <cusip>74251V102</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <None>0</None>
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      <Sole>66257</Sole>
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      <None>0</None>
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      <None>0</None>
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    <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>670236</value>
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      <sshPrnamt>5028</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
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    <cusip>74347B680</cusip>
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    <value>1013476</value>
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    <otherManager>10</otherManager>
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      <Sole>9954</Sole>
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    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
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    <cusip>74347B698</cusip>
    <value>1172637</value>
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      <sshPrnamt>18038</sshPrnamt>
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    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
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    <cusip>74348A541</cusip>
    <value>2580844</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
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    <cusip>74348A467</cusip>
    <value>12095350</value>
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      <sshPrnamt>127052</sshPrnamt>
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      <Sole>127052</Sole>
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    <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744320102</cusip>
    <value>3737511</value>
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      <sshPrnamt>36038</sshPrnamt>
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      <Sole>36038</Sole>
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      <None>0</None>
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    <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74460D109</cusip>
    <value>426829</value>
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      <sshPrnamt>1399</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1399</Sole>
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    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN</nameOfIssuer>
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    <cusip>744573106</cusip>
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      <Sole>34667</Sole>
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    <nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>745867101</cusip>
    <value>228453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2213</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>2213</Sole>
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      <None>0</None>
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    <nameOfIssuer>PURECYCLE TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74623V103</cusip>
    <value>46859</value>
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      <sshPrnamt>11570</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>11570</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUAD / GRAPHICS INC</nameOfIssuer>
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    <cusip>747301109</cusip>
    <value>82080</value>
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      <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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    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>13126</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUANTUMSCAPE CORP</nameOfIssuer>
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    <cusip>74767V109</cusip>
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      <sshPrnamt>12120</sshPrnamt>
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      <Sole>12120</Sole>
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    <nameOfIssuer>RBB FD INC</nameOfIssuer>
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    <value>390442</value>
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    <nameOfIssuer>RBB FD INC</nameOfIssuer>
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    <value>911104</value>
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      <sshPrnamt>20405</sshPrnamt>
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    <nameOfIssuer>RBB FD INC</nameOfIssuer>
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      <sshPrnamt>44821</sshPrnamt>
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    <nameOfIssuer>RBB FD INC</nameOfIssuer>
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    <cusip>74933W478</cusip>
    <value>2309943</value>
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      <sshPrnamt>46259</sshPrnamt>
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    <value>4181579</value>
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      <sshPrnamt>83866</sshPrnamt>
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    <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>756109104</cusip>
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      <sshPrnamt>25525</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>25525</Sole>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75886F107</cusip>
    <value>870385</value>
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      <sshPrnamt>991</sshPrnamt>
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      <Sole>991</Sole>
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    <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>760759100</cusip>
    <value>291891</value>
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      <Sole>1770</Sole>
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    <nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
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    <cusip>767204100</cusip>
    <value>528563</value>
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    <nameOfIssuer>RITHM CAPITAL CORP</nameOfIssuer>
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    <cusip>64828T201</cusip>
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    <nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>
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    <cusip>76954A103</cusip>
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    <nameOfIssuer>ROBLOX CORP</nameOfIssuer>
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    <cusip>771049103</cusip>
    <value>372572</value>
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      <sshPrnamt>8149</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>8149</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>773903109</cusip>
    <value>221586</value>
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    <otherManager>10</otherManager>
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      <Sole>714</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROKU INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>77543R102</cusip>
    <value>471591</value>
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      <sshPrnamt>5145</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>5145</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>776696106</cusip>
    <value>824346</value>
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      <sshPrnamt>1512</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1512</Sole>
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    <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>778296103</cusip>
    <value>329104</value>
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      <sshPrnamt>2378</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>2378</Sole>
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  <infoTable>
    <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>2467372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29325</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>29325</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>808834</value>
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      <sshPrnamt>1836</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1836</Sole>
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  <infoTable>
    <nameOfIssuer>SAFE BULKERS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>Y7388L103</cusip>
    <value>47887</value>
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      <sshPrnamt>12185</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12185</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>3764323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14305</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>80105N105</cusip>
    <value>358478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7208</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>512456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9847</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>9467086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137603</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>137603</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
    <cusip>808524706</cusip>
    <value>343758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13867</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US TIPS ETF</titleOfClass>
    <cusip>808524870</cusip>
    <value>521485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL EQTY ETF</titleOfClass>
    <cusip>808524805</cusip>
    <value>564180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL SCEQT ETF</titleOfClass>
    <cusip>808524888</cusip>
    <value>578574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16583</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>732377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10448</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>1626476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26259</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>1668150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22148</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>1858748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>39347</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>2299678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>41309</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>7845227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>232589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>232589</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>7900004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>140071</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>7933490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>95630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>26780631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>351775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>351775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEASTAR MEDICAL HOLDING CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81256L104</cusip>
    <value>22135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>50000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>2300042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26889</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>3828502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>95569</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>27065575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>140615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>167111136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>868200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>868200</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>4621608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>72977</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>6021910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33678</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>COMMUNICATION</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>6754517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>92961</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>7594335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>201977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>201977</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>12799515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>177697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>177697</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>INDL</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>14434782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>126632</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>19900842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>145922</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>21371487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>254908</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>174900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>165000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>1350809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1912</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>555918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8449</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>545438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1749</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>82509L107</cusip>
    <value>4298834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>55184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>828806109</cusip>
    <value>967752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6785</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMPLIFY EXCHANGE TRADED FUN</nameOfIssuer>
    <titleOfClass>HEDGED EQUITY</titleOfClass>
    <cusip>82889N764</cusip>
    <value>640568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25359</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIRIUS XM HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>82968B103</cusip>
    <value>1163518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>212709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>212709</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>83304A106</cusip>
    <value>882307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>52115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>833445109</cusip>
    <value>202184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1016</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOFI TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83406F102</cusip>
    <value>761155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>76498</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>2848022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>40616</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>6766475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17954</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>20761636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108603</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>108603</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>MSCI EMRG MKTS</titleOfClass>
    <cusip>78463X426</cusip>
    <value>202946</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>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFLO EURP ETF</titleOfClass>
    <cusip>78463X103</cusip>
    <value>238638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5918</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>569706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14604</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>S&amp;P EM MKT DIV</titleOfClass>
    <cusip>78463X533</cusip>
    <value>742220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22824</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>843897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31209</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>1082209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15887</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>33756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>334</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>2377982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>23529</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>133818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2370</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>2142375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>37945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
    <cusip>78463X889</cusip>
    <value>16276132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>478569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>478569</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
    <cusip>78463X889</cusip>
    <value>60187497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1769700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1769700</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>4016808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>70906</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>4803478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>151243</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>5307412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>72622</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>11065165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>312487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>312487</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>105946599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>222900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>222900</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>2987540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5888</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG INVT</titleOfClass>
    <cusip>78468R200</cusip>
    <value>208960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6831</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
    <cusip>78464A375</cusip>
    <value>260794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7944</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>311494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2275</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>351056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6696</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>423231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9197</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>HLTH CR EQUIP</titleOfClass>
    <cusip>78464A581</cusip>
    <value>461071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5472</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>646165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19277</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI TIPS ETF</titleOfClass>
    <cusip>78464A656</cusip>
    <value>659808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25804</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25804</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>739259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12356</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>810256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8470</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>960697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5994</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>1093787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7543</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>1356084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34603</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34603</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>1381223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29897</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
    <cusip>78468R739</cusip>
    <value>1527416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31961</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>AEROSPACE DEF</titleOfClass>
    <cusip>78464A631</cusip>
    <value>1609236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11883</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>1759834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19709</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>1796593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24901</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
    <cusip>78468R408</cusip>
    <value>1918235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>76302</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>RUSSELL YIELD</titleOfClass>
    <cusip>78468R770</cusip>
    <value>2098773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20838</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>2265696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29942</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>146345964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2249400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>2249400</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>169118265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2599420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2599420</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>49227291</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>90605820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1943080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1943080</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>DJ REIT ETF</titleOfClass>
    <cusip>78464A607</cusip>
    <value>2866654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30074</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30074</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT</titleOfClass>
    <cusip>78464A474</cusip>
    <value>2872272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>96450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLOOMBERG</titleOfClass>
    <cusip>78464A284</cusip>
    <value>2879191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>113802</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>1331950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18151</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>7718695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>105188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
    <cusip>78468R606</cusip>
    <value>1997550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>85438</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
    <cusip>78468R606</cusip>
    <value>3421195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>146330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>3953462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>41734</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>7281734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>76868</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>3452349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>37776</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>43246022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>473203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>473203</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>76631</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 SER TR</nameOfIssuer>
    <titleOfClass>SSGA US SMAL ETF</titleOfClass>
    <cusip>78468R887</cusip>
    <value>1533648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>13630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>RUSSELL LOW VOL</titleOfClass>
    <cusip>78468R754</cusip>
    <value>3765203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32904</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>7390754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>74564</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
    <cusip>78464A664</cusip>
    <value>9249400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>318725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI INTRMDIT</titleOfClass>
    <cusip>78464A672</cusip>
    <value>9654251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>338034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>338034</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO SH TSR</titleOfClass>
    <cusip>78468R101</cusip>
    <value>10015075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>344753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>344753</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>10868923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>492475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>492475</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>11428407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>91449</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>14649713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>262070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>262070</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>16344081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>279625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>279625</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>16846397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>399393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>399393</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>16905645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>346996</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <cusip>78464A201</cusip>
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    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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    <cusip>78464A300</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO AGRGTE</titleOfClass>
    <cusip>78464A649</cusip>
    <value>57860250</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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    <nameOfIssuer>SPHERE ENTERTAINMENT CO</nameOfIssuer>
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    <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
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    <cusip>L8681T102</cusip>
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      <sshPrnamt>2108</sshPrnamt>
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      <Sole>2108</Sole>
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      <None>0</None>
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    <cusip>85208P303</cusip>
    <value>1951991</value>
    <shrsOrPrnAmt>
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      <Sole>40439</Sole>
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    <cusip>85208R101</cusip>
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      <Sole>109498</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPROTT PHYSICAL GOLD TR</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
    <cusip>85207H104</cusip>
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    <shrsOrPrnAmt>
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      <Sole>479074</Sole>
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      <None>0</None>
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    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>ULT SHT TRM BD</titleOfClass>
    <cusip>78467V707</cusip>
    <value>221139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5476</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>5476</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>SPDR TR TACTIC</titleOfClass>
    <cusip>78467V848</cusip>
    <value>1738466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43192</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>43192</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>BLACKSTONE SENR</titleOfClass>
    <cusip>78467V608</cusip>
    <value>1784998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42571</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>42571</Sole>
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      <None>0</None>
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    <nameOfIssuer>SSGA ACTIVE TR</nameOfIssuer>
    <titleOfClass>SPDR BLACKSTONE</titleOfClass>
    <cusip>78470P846</cusip>
    <value>1892887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>67291</Sole>
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      <None>0</None>
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    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>854502101</cusip>
    <value>322932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3292</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>3292</Sole>
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      <None>0</None>
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    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>4287941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44661</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>44661</Sole>
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      <None>0</None>
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    <nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>858119100</cusip>
    <value>504790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4274</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4274</Sole>
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      <None>0</None>
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    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>619861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>2070</Sole>
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      <None>0</None>
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    <nameOfIssuer>SUNOPTA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>8676EP108</cusip>
    <value>55816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10204</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <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>242474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>853</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>853</Sole>
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      <None>0</None>
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    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
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      <sshPrnamt>3865</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>3865</Sole>
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    <nameOfIssuer>T ROWE PRICE ETF INC</nameOfIssuer>
    <titleOfClass>CAP APPRECIATION</titleOfClass>
    <cusip>87283Q867</cusip>
    <value>1571177</value>
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      <Sole>56865</Sole>
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    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
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    <cusip>874039100</cusip>
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    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
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    <nameOfIssuer>TELADOC HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87918A105</cusip>
    <value>326159</value>
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    <nameOfIssuer>TENCENT MUSIC ENTMT GROUP</nameOfIssuer>
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    <cusip>88034P109</cusip>
    <value>102714</value>
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      <Sole>11400</Sole>
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    <cusip>880770102</cusip>
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      <Sole>2390</Sole>
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    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
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      <sshPrnamt>111248</sshPrnamt>
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    <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>882508104</cusip>
    <value>3947342</value>
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    <nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>125523100</cusip>
    <value>546260</value>
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      <sshPrnamt>1824</sshPrnamt>
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    <nameOfIssuer>THE REALREAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88339P101</cusip>
    <value>25788</value>
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      <sshPrnamt>12830</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>12830</Sole>
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    <nameOfIssuer>THE TRADE DESK INC</nameOfIssuer>
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    <cusip>88339J105</cusip>
    <value>3724794</value>
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      <sshPrnamt>51762</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>51762</Sole>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>1268100</value>
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      <sshPrnamt>2389</sshPrnamt>
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      <Sole>2389</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>1140533</value>
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      <sshPrnamt>12158</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>12158</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>611252</value>
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      <sshPrnamt>3812</sshPrnamt>
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    <nameOfIssuer>TORONTO DOMINION BK ONT</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>891160509</cusip>
    <value>2430371</value>
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      <sshPrnamt>37610</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
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    <cusip>89151E109</cusip>
    <value>661302</value>
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      <sshPrnamt>9815</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>9815</Sole>
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    <nameOfIssuer>TOYOTA MOTOR CORP</nameOfIssuer>
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    <cusip>892331307</cusip>
    <value>362438</value>
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      <sshPrnamt>1976</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1976</Sole>
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    <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>254254</value>
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      <sshPrnamt>1042</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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    <cusip>H8817H100</cusip>
    <value>64326</value>
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      <sshPrnamt>10130</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10130</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>575926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3023</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>3023</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>325718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8822</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>8822</Sole>
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      <None>0</None>
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    <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>90353T100</cusip>
    <value>2975309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48324</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>48324</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>UFP TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>902673102</cusip>
    <value>267006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1552</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1552</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNDER ARMOUR INC</nameOfIssuer>
    <titleOfClass>CL C</titleOfClass>
    <cusip>904311206</cusip>
    <value>143019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17128</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>17128</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
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    <cusip>904767704</cusip>
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      <sshPrnamt>6664</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>6664</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>3219857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13109</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>13109</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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    <cusip>911312106</cusip>
    <value>2665284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>16952</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>911363109</cusip>
    <value>984780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1717</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1717</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>UNITED STATES STL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>912909108</cusip>
    <value>599329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12319</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>12319</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITED STS COMMODITY INDEX F</nameOfIssuer>
    <titleOfClass>COMM IDX FND</titleOfClass>
    <cusip>911717106</cusip>
    <value>2732844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48558</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>48558</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITED STS NAT GAS FD LP</nameOfIssuer>
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    <cusip>912318300</cusip>
    <value>145636</value>
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      <sshPrnamt>28725</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>28725</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>12933946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24567</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>24567</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNIVERSAL HLTH SVCS INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>913903100</cusip>
    <value>267918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1758</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1758</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
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    <cusip>902973304</cusip>
    <value>352417</value>
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      <sshPrnamt>8143</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8143</Sole>
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      <None>0</None>
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    <nameOfIssuer>VAIL RESORTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91879Q109</cusip>
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      <sshPrnamt>2284</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>2284</Sole>
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      <None>0</None>
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    <nameOfIssuer>VALE S A</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
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    <value>279382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17616</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>17616</Sole>
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      <None>0</None>
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    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
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      <sshPrnamt>9261</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>9261</Sole>
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      <None>0</None>
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    <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>919794107</cusip>
    <value>321745</value>
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      <sshPrnamt>29627</sshPrnamt>
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      <Sole>29627</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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      <sshPrnamt>15747</sshPrnamt>
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      <Sole>15747</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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    <cusip>92189F429</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>14555</sshPrnamt>
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      <Sole>14555</Sole>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>AGRIBUSINESS ETF</titleOfClass>
    <cusip>92189F700</cusip>
    <value>260030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3413</sshPrnamt>
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      <Sole>3413</Sole>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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      <sshPrnamt>6032</sshPrnamt>
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      <Sole>6032</Sole>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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    <cusip>92189F387</cusip>
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      <sshPrnamt>20615</sshPrnamt>
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      <Sole>20615</Sole>
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    <value>534928</value>
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      <sshPrnamt>45256</sshPrnamt>
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      <Sole>45256</Sole>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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    <cusip>92189F106</cusip>
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      <sshPrnamt>22494</sshPrnamt>
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      <Sole>22494</Sole>
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    <cusip>92189H607</cusip>
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      <sshPrnamt>2374</sshPrnamt>
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      <Sole>2374</Sole>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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    <cusip>92189H730</cusip>
    <value>898487</value>
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      <Sole>28523</Sole>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>PHARMACEUTCL ETF</titleOfClass>
    <cusip>92189F692</cusip>
    <value>2289257</value>
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      <sshPrnamt>28135</sshPrnamt>
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      <Sole>28135</Sole>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>SEMICONDUCTR ETF</titleOfClass>
    <cusip>92189F676</cusip>
    <value>2876402</value>
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      <sshPrnamt>16449</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>16449</Sole>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>RETAIL ETF</titleOfClass>
    <cusip>92189F684</cusip>
    <value>2928802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15560</sshPrnamt>
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      <Sole>15560</Sole>
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    <titleOfClass>IG FLOATING RATE</titleOfClass>
    <cusip>92189F486</cusip>
    <value>7399029</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>294196</Sole>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>MRNGSTR WDE MOAT</titleOfClass>
    <cusip>92189F643</cusip>
    <value>9983343</value>
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      <Sole>117631</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>MIDCP 400 IDX</titleOfClass>
    <cusip>921932885</cusip>
    <value>232408</value>
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      <sshPrnamt>2473</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2473</Sole>
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  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>SMLCP 600 VAL</titleOfClass>
    <cusip>921932778</cusip>
    <value>323669</value>
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      <sshPrnamt>3657</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3657</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>MIDCP 400 GRTH</titleOfClass>
    <cusip>921932869</cusip>
    <value>610170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6212</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>677246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6828</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>1357934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12620</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>1518316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9040</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>21759195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>80355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>957782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12540</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>907188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11779</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>1262358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>16390</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>7502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>102</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>41738007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>567478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>567478</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>796524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16135</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>927568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>18790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>EXTEND MKT ETF</titleOfClass>
    <cusip>922908652</cusip>
    <value>990438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6024</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>2044301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8456</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>3729967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>42213</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>27199536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>62270</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>80884877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>185176</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>29032742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>200212</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>38630664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>266400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>266400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>1185678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>5400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>28965455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>131919</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>25527040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>117016</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>39885892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>182837</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>72015352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>231650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>231650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>134117363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>431412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>431412</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>80842424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>540752</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>105562100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>706101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>706101</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>42389054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>235534</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>55264330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>237553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>237553</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>56262801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>263736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>263736</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>62431560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>263180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>263180</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>204348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1776</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>457701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4449</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>710323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12653</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>5920</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>GLB EX US ETF</titleOfClass>
    <cusip>922042676</cusip>
    <value>532375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>12500</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>902908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>21200</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>6246214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>151976</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>25603122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>622947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>622947</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>75992</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 PACIFIC ETF</titleOfClass>
    <cusip>922042866</cusip>
    <value>4307394</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 EUROPE ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>477132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7400</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>18937776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>293700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>293700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>1117915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>23540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>1946615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>40990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>4050774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>85297</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>3473534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>68042</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>480378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10362</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX</titleOfClass>
    <cusip>92206C664</cusip>
    <value>561110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6919</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>LG-TERM COR BD</titleOfClass>
    <cusip>92206C813</cusip>
    <value>667900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>LONG TERM TREAS</titleOfClass>
    <cusip>92206C847</cusip>
    <value>730460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11872</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>92206C102</cusip>
    <value>901700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15459</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000GRW</titleOfClass>
    <cusip>92206C623</cusip>
    <value>1614293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8795</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>3224689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>41679</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW</titleOfClass>
    <cusip>92206C680</cusip>
    <value>34393323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>440827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>440827</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW</titleOfClass>
    <cusip>92206C680</cusip>
    <value>220983848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2832400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>2832400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL</titleOfClass>
    <cusip>92206C714</cusip>
    <value>760741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10487</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL</titleOfClass>
    <cusip>92206C714</cusip>
    <value>74766978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1030700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>1030700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>4220269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>51923</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>58631897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>721357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>721357</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INTER TERM TREAS</titleOfClass>
    <cusip>92206C706</cusip>
    <value>25184721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>424557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>424557</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>33597257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>197167</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>23185565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>400027</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>8626790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>180100</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>25225912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>526637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>526637</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>INTL DVD ETF</titleOfClass>
    <cusip>921946810</cusip>
    <value>5030069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>63399</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>INTL HIGH ETF</titleOfClass>
    <cusip>921946794</cusip>
    <value>25573583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>384623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>384623</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>50774571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>454847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>454847</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>211161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA CAP INDEX</titleOfClass>
    <cusip>921910873</cusip>
    <value>281088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA GRWTH IND</titleOfClass>
    <cusip>921910816</cusip>
    <value>554150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2135</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>918844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10802</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>2419308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
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    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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