<SEC-DOCUMENT>0001532155-24-000114.txt : 20240814
<SEC-HEADER>0001532155-24-000114.hdr.sgml : 20240814
<ACCEPTANCE-DATETIME>20240814154403
ACCESSION NUMBER:		0001532155-24-000114
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20240630
FILED AS OF DATE:		20240814
DATE AS OF CHANGE:		20240814
EFFECTIVENESS DATE:		20240814

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:		241207008

	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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      <title>Lead Director, Equitable Life Insurance Company</title>
      <phone>201-743-5046</phone>
      <signature>Anthony Bruccoleri</signature>
      <city>Charlotte</city>
      <stateOrCountry>NC</stateOrCountry>
      <signatureDate>08-05-2024</signatureDate>
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    <titleOfClass>COM</titleOfClass>
    <cusip>020002101</cusip>
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    <otherManager>10</otherManager>
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      <None>0</None>
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    <cusip>02079K107</cusip>
    <value>25832873</value>
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      <sshPrnamt>216705</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>216705</Sole>
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    <nameOfIssuer>ALTO INGREDIENTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>021513106</cusip>
    <value>24961</value>
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      <Sole>17274</Sole>
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      <None>0</None>
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    <titleOfClass>CL A</titleOfClass>
    <cusip>02156K103</cusip>
    <value>193800</value>
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      <sshPrnamt>95000</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>95000</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>02209S103</cusip>
    <value>5630481</value>
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    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
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      <sshPrnamt>381516</sshPrnamt>
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      <Sole>381516</Sole>
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      <None>0</None>
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    <nameOfIssuer>GREYSTONE HOUSING IMPACT INV</nameOfIssuer>
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    <cusip>02364V206</cusip>
    <value>2578110</value>
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    <otherManager>10</otherManager>
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      <Sole>174079</Sole>
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      <None>0</None>
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    <cusip>02376R102</cusip>
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      <sshPrnamt>13499</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>13499</Sole>
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      <None>0</None>
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    <cusip>025072307</cusip>
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      <Sole>145648</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMERICAN CENTY ETF TR</nameOfIssuer>
    <titleOfClass>US LARGE CAP VLU</titleOfClass>
    <cusip>025072349</cusip>
    <value>1490188</value>
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      <sshPrnamt>23714</sshPrnamt>
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    <cusip>025072505</cusip>
    <value>332930</value>
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    <nameOfIssuer>AMERICAN CENTY ETF TR</nameOfIssuer>
    <titleOfClass>AVANTIS EMGMKT</titleOfClass>
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    <value>934494</value>
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    <nameOfIssuer>AMERICAN CENTY ETF TR</nameOfIssuer>
    <titleOfClass>INTL EQT ETF</titleOfClass>
    <cusip>025072703</cusip>
    <value>520245</value>
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    <nameOfIssuer>AMERICAN CENTY ETF TR</nameOfIssuer>
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    <cusip>025072877</cusip>
    <value>1169949</value>
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      <sshPrnamt>13040</sshPrnamt>
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      <Sole>13040</Sole>
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    <nameOfIssuer>AMERICAN CENTY ETF TR</nameOfIssuer>
    <titleOfClass>US EQT ETF</titleOfClass>
    <cusip>025072885</cusip>
    <value>379700</value>
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      <sshPrnamt>4210</sshPrnamt>
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      <Sole>4210</Sole>
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    <nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
    <value>3782138</value>
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      <sshPrnamt>16334</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>16334</Sole>
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    <nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03027X100</cusip>
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      <sshPrnamt>4900</sshPrnamt>
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      <Sole>4900</Sole>
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    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>AMPLIFY ETF TR</nameOfIssuer>
    <titleOfClass>CWP ENHANCED DIV</titleOfClass>
    <cusip>032108409</cusip>
    <value>664131</value>
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      <sshPrnamt>17161</sshPrnamt>
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    <nameOfIssuer>AMPLIFY ETF TR</nameOfIssuer>
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    <cusip>032108631</cusip>
    <value>98079</value>
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      <sshPrnamt>29542</sshPrnamt>
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      <Sole>29542</Sole>
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    <nameOfIssuer>AMPLIFY ETF TR</nameOfIssuer>
    <titleOfClass>AMPLIFY MOBILE P</titleOfClass>
    <cusip>032108656</cusip>
    <value>237409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5075</sshPrnamt>
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    <nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>032654105</cusip>
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      <Sole>1429</Sole>
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    <nameOfIssuer>ANHEUSER BUSCH INBEV SA/NV</nameOfIssuer>
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    <cusip>03524A108</cusip>
    <value>273712</value>
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    <nameOfIssuer>ANNALY CAPITAL MANAGEMENT IN</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>035710839</cusip>
    <value>448958</value>
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    <nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
    <value>237877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>439</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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    <nameOfIssuer>APOLLO GLOBAL MGMT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03769M106</cusip>
    <value>635689</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>5384</Sole>
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    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>123471341</value>
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      <Sole>586228</Sole>
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    <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>038222105</cusip>
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      <sshPrnamt>6884</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>6884</Sole>
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    <nameOfIssuer>ARES MANAGEMENT CORPORATION</nameOfIssuer>
    <titleOfClass>CL A COM STK</titleOfClass>
    <cusip>03990B101</cusip>
    <value>281354</value>
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      <sshPrnamt>2111</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>2111</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARES CAPITAL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04010L103</cusip>
    <value>699849</value>
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      <sshPrnamt>33582</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>33582</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARES COML REAL ESTATE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04013V108</cusip>
    <value>266000</value>
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      <sshPrnamt>40000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>40000</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>040413106</cusip>
    <value>322442</value>
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      <sshPrnamt>920</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>920</Sole>
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    <nameOfIssuer>ARM HOLDINGS PLC</nameOfIssuer>
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    <cusip>042068205</cusip>
    <value>540437</value>
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      <sshPrnamt>3303</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>3303</Sole>
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    <nameOfIssuer>ASENSUS SURGICAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04367G103</cusip>
    <value>16650</value>
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      <sshPrnamt>50000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>50000</Sole>
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    <cusip>046353108</cusip>
    <value>474413</value>
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      <sshPrnamt>6083</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>6083</Sole>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
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    <nameOfIssuer>BOSTON OMAHA CORP</nameOfIssuer>
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    <nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
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    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
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      <sshPrnamt>90311</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>90311</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>7045066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4388</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4388</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>125523100</cusip>
    <value>1111376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3362</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CME GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>1069897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5442</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5442</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>1180350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35287</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35287</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>2434689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41224</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>41224</Sole>
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      <None>0</None>
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    <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>127097103</cusip>
    <value>323374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12125</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12125</Sole>
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      <None>0</None>
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    <nameOfIssuer>CALAMOS GBL DYN INCOME FUND</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12811L107</cusip>
    <value>68600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CAMBRIA ETF TR</nameOfIssuer>
    <titleOfClass>SHSHLD YIELD ETF</titleOfClass>
    <cusip>132061201</cusip>
    <value>1631824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23899</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23899</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CAMBRIA ETF TR</nameOfIssuer>
    <titleOfClass>GLB MOMENT ETF</titleOfClass>
    <cusip>132061508</cusip>
    <value>6441821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>225902</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CAMBRIA ETF TR</nameOfIssuer>
    <titleOfClass>EMRG SHAREHLDR</titleOfClass>
    <cusip>132061706</cusip>
    <value>1104664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32103</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>32103</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>136375102</cusip>
    <value>773752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6550</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6550</Sole>
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      <None>0</None>
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    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>13646K108</cusip>
    <value>281145</value>
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      <sshPrnamt>3571</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3571</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CAPITAL GROUP INTL FOCUS EQT</nameOfIssuer>
    <titleOfClass>SHS CREATION UNI</titleOfClass>
    <cusip>14019W109</cusip>
    <value>638319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>24818</Sole>
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      <None>0</None>
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    <nameOfIssuer>CAPITAL GROUP GROWTH ETF</nameOfIssuer>
    <titleOfClass>SHS CREATION UNI</titleOfClass>
    <cusip>14020G101</cusip>
    <value>469209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14266</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CAPITAL GROUP CORE EQUITY ET</nameOfIssuer>
    <titleOfClass>SHS CREATION UNI</titleOfClass>
    <cusip>14020V108</cusip>
    <value>890132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27601</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL GROUP DIVIDEND VALUE</nameOfIssuer>
    <titleOfClass>SHS CREATION UNI</titleOfClass>
    <cusip>14020W106</cusip>
    <value>3710553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>112441</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer>
    <titleOfClass>CORE PLUS INCM</titleOfClass>
    <cusip>14020Y102</cusip>
    <value>1653746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>74426</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer>
    <titleOfClass>US MULTI-SECTOR</titleOfClass>
    <cusip>14020Y300</cusip>
    <value>775727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28816</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>1549532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11192</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>2439103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>58904</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>760407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7734</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARLISLE COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>142339100</cusip>
    <value>377656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>932</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>260836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CASELLA WASTE SYS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>147448104</cusip>
    <value>273252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2754</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CASEYS GEN STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>147528103</cusip>
    <value>566998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1486</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAVA GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>148929102</cusip>
    <value>5151799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>55545</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>5736981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17223</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CELSIUS HLDGS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>15118V207</cusip>
    <value>627362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10989</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY PARTNERS LP</nameOfIssuer>
    <titleOfClass>COM UNIT</titleOfClass>
    <cusip>16411Q101</cusip>
    <value>240737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4902</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>12066864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>77144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>169656105</cusip>
    <value>1850180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29532</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CIPHER MINING INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17253J106</cusip>
    <value>87254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21025</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
    <value>4186629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>88121</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CINTAS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>172908105</cusip>
    <value>1745048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2492</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>172967424</cusip>
    <value>2816038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>44375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CLEVELAND-CLIFFS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>185899101</cusip>
    <value>321759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20907</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CLIPPER RLTY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>18885T306</cusip>
    <value>75467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1699</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253868103</cusip>
    <value>3776162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24835</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUMP MEDIA &amp; TECHNOLOGY GRO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25400Q105</cusip>
    <value>239272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7306</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>1854569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>71688</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US EQUITY ETF</titleOfClass>
    <cusip>25434V401</cusip>
    <value>29890445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>507909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>507909</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>2311338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>38471</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US TARGETED VLU</titleOfClass>
    <cusip>25434V609</cusip>
    <value>12769927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>246191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>246191</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>1041743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36034</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>32582066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1010610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1010610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US MKTWIDE VALUE</titleOfClass>
    <cusip>25434V724</cusip>
    <value>2349563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>59831</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>EMERGING MKTS VA</titleOfClass>
    <cusip>25434V740</cusip>
    <value>228855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8322</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>INTL HIGH PROFIT</titleOfClass>
    <cusip>25434V765</cusip>
    <value>366111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>INTERNATNAL VAL</titleOfClass>
    <cusip>25434V807</cusip>
    <value>10889137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>302981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>302981</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US HIGH PROFITAB</titleOfClass>
    <cusip>25434V831</cusip>
    <value>6216905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>194339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>194339</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>INFLATION PROTE</titleOfClass>
    <cusip>25434V856</cusip>
    <value>1027735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25168</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>CORE FIXED INCOM</titleOfClass>
    <cusip>25434V872</cusip>
    <value>1281177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30842</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>8916116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>350752</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>390456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>10329734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>104036</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254709108</cusip>
    <value>503619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>468538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9562</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25754A201</cusip>
    <value>377954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>732</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOUBLELINE INCOME SOLUTIONS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>258622109</cusip>
    <value>466270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37242</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>1637760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30872</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DRAFTKINGS INC NEW</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>26142V105</cusip>
    <value>503271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>2718037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>382488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4752</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>E L F BEAUTY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26856L103</cusip>
    <value>390886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1855</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
    <value>1142522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9077</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>DEFIANCE NEXT</titleOfClass>
    <cusip>26922A289</cusip>
    <value>415325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9936</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>DISTILLATE US</titleOfClass>
    <cusip>26922A321</cusip>
    <value>7792882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>151642</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>US GLB JETS</titleOfClass>
    <cusip>26922A842</cusip>
    <value>227977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11596</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETFIS SER TR I</nameOfIssuer>
    <titleOfClass>INFRAC ACT MLP</titleOfClass>
    <cusip>26923G772</cusip>
    <value>6672955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>162359</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETFIS SER TR I</nameOfIssuer>
    <titleOfClass>VIRTUS INFRCAP</titleOfClass>
    <cusip>26923G822</cusip>
    <value>3964281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>188506</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTMAN CHEM CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>277432100</cusip>
    <value>881926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9002</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON VANCE MUNI INCOME TRUS</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>27826U108</cusip>
    <value>135295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13072</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON VANCE TAX-MANAGED DIVE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27828N102</cusip>
    <value>195562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13919</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON VANCE SHORT DURATION D</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27828V104</cusip>
    <value>324767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>EATON VANCE TAX-MANAGED BUY-</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27828Y108</cusip>
    <value>179938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13163</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>13163</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>EBAY INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278642103</cusip>
    <value>224818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4185</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>4185</Sole>
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      <None>0</None>
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    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278865100</cusip>
    <value>206108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>866</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>866</Sole>
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      <None>0</None>
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    <nameOfIssuer>EDISON INTL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>281020107</cusip>
    <value>841326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11716</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>11716</Sole>
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      <None>0</None>
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    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>28176E108</cusip>
    <value>656289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7105</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>7105</Sole>
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      <None>0</None>
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    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>1486058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13490</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13490</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29250N105</cusip>
    <value>1976384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55532</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>55532</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>1535661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94677</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>94677</Sole>
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      <None>0</None>
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    <nameOfIssuer>ENPHASE ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29355A107</cusip>
    <value>255756</value>
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      <sshPrnamt>2565</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2565</Sole>
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      <None>0</None>
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    <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29364G103</cusip>
    <value>571273</value>
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      <sshPrnamt>5339</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>5339</Sole>
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      <None>0</None>
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    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293792107</cusip>
    <value>3557672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122763</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>122763</Sole>
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      <None>0</None>
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    <nameOfIssuer>ENTRAVISION COMMUNICATIONS C</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>29382R107</cusip>
    <value>205596</value>
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      <sshPrnamt>101279</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>101279</Sole>
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      <None>0</None>
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    <nameOfIssuer>EOS ENERGY ENTERPRISES INC</nameOfIssuer>
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    <cusip>29415C101</cusip>
    <value>25527</value>
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      <sshPrnamt>20100</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>20100</Sole>
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      <None>0</None>
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    <nameOfIssuer>EQUINIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>2415067</value>
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      <sshPrnamt>3192</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>3192</Sole>
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      <None>0</None>
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    <nameOfIssuer>EQUITABLE HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29452E101</cusip>
    <value>521660</value>
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      <sshPrnamt>12767</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>12767</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ESSENTIAL UTILS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29670G102</cusip>
    <value>203635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5455</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>5455</Sole>
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      <None>0</None>
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    <nameOfIssuer>EURONET WORLDWIDE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>298736109</cusip>
    <value>466164</value>
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      <sshPrnamt>4504</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>4504</Sole>
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      <None>0</None>
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    <nameOfIssuer>EVERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>5953</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>5953</Sole>
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      <None>0</None>
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    <nameOfIssuer>EVOLUTION PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30049A107</cusip>
    <value>129758</value>
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      <sshPrnamt>24622</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>24622</Sole>
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      <None>0</None>
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    <nameOfIssuer>EXCHANGE TRADED CONCEPTS TRU</nameOfIssuer>
    <titleOfClass>ROBO GLB ETF</titleOfClass>
    <cusip>301505707</cusip>
    <value>890912</value>
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      <sshPrnamt>16169</sshPrnamt>
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      <Sole>16169</Sole>
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    <nameOfIssuer>EXCHANGE TRADED CONCEPTS TRU</nameOfIssuer>
    <titleOfClass>EMQQ EM INTERN</titleOfClass>
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      <sshPrnamt>6507</sshPrnamt>
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      <Sole>6507</Sole>
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    <nameOfIssuer>EXELON CORP</nameOfIssuer>
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    <cusip>30161N101</cusip>
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      <sshPrnamt>17442</sshPrnamt>
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      <Sole>17442</Sole>
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    <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
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      <sshPrnamt>2703</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2703</Sole>
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    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
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      <sshPrnamt>70270</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>70270</Sole>
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      <None>0</None>
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    <nameOfIssuer>FS KKR CAP CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <Sole>103400</Sole>
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      <sshPrnamt>62506</sshPrnamt>
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      <Sole>3291</Sole>
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      <Sole>64187</Sole>
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      <Sole>6371</Sole>
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      <None>0</None>
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    <titleOfClass>NASDAQ COMPSIT</titleOfClass>
    <cusip>315912808</cusip>
    <value>369440</value>
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      <sshPrnamt>5283</sshPrnamt>
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      <Sole>5283</Sole>
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    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI ENERGY IDX</titleOfClass>
    <cusip>316092402</cusip>
    <value>520618</value>
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      <sshPrnamt>20750</sshPrnamt>
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      <Sole>20750</Sole>
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    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI HLTH CARE I</titleOfClass>
    <cusip>316092600</cusip>
    <value>3404961</value>
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      <sshPrnamt>49635</sshPrnamt>
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      <Sole>49635</Sole>
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    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI INFO TECH I</titleOfClass>
    <cusip>316092808</cusip>
    <value>4074801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23757</sshPrnamt>
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    <titleOfClass>HIGH DIVID ETF</titleOfClass>
    <cusip>316092840</cusip>
    <value>953610</value>
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      <sshPrnamt>20385</sshPrnamt>
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      <Sole>20385</Sole>
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    <nameOfIssuer>FIDELITY MERRIMACK STR TR</nameOfIssuer>
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    <cusip>316188309</cusip>
    <value>4242336</value>
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      <Sole>94421</Sole>
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    <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31620M106</cusip>
    <value>339723</value>
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      <sshPrnamt>4508</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4508</Sole>
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  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>316773100</cusip>
    <value>261086</value>
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      <sshPrnamt>7155</sshPrnamt>
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      <Sole>7155</Sole>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR MORNINGSTAR DIVID L</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>336917109</cusip>
    <value>4119729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>108614</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>542864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5465</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>486803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4869</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>7320977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>87113</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>353099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2293</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>4893557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23878</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>GROWTH STRENGTH</titleOfClass>
    <cusip>33733E823</cusip>
    <value>225164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR SPECIALTY FIN &amp; FIN</nameOfIssuer>
    <titleOfClass>COM BEN INTR</titleOfClass>
    <cusip>33733G109</cusip>
    <value>38900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>337344105</cusip>
    <value>8246745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>66889</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR NASDAQ 100 TECH IND</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>337345102</cusip>
    <value>225697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1143</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>33734H106</cusip>
    <value>8478323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>208057</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>208057</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>396705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8570</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>406292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6268</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>839770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6163</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>3262350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34150</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>1140248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>51061</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>1046588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>80693</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>7838769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>138936</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR SML CP CORE ALPHA F</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33734Y109</cusip>
    <value>1228899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13585</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>1007452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9283</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>1569888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TRUST LRGCP GWT ALPHAD</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33735K108</cusip>
    <value>2677526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21852</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR STOXX EUROPEAN SELE</nameOfIssuer>
    <titleOfClass>COMMON SHS</titleOfClass>
    <cusip>33735T109</cusip>
    <value>648717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>55400</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>964771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>59517</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>298161</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>922245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22721</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>347635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5767</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>401211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4897</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>1345631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18288</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
    <titleOfClass>MID CAP VAL FD</titleOfClass>
    <cusip>33737M201</cusip>
    <value>904053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17710</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>2497033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37897</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>606215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19902</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>737759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16140</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>229803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5656</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>546702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FT VEST RIS</titleOfClass>
    <cusip>33738D879</cusip>
    <value>401552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17175</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>10460298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>138254</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>1577012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>70183</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>51648851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>943358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>943358</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>1970756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34414</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>5399496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>79044</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>983601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23231</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>401171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15116</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>5307074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>305707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>305707</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>934977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>39104</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>MANAGD MUN ETF</titleOfClass>
    <cusip>33739N108</cusip>
    <value>2446285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>47910</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>2123053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33920</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>1803157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37317</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>680958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34444</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>2457520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>133779</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>1336847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27822</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>5880553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>98667</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FT VEST S&amp;P 500</titleOfClass>
    <cusip>33739Q705</cusip>
    <value>1344590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST LADDERED</titleOfClass>
    <cusip>33740F755</cusip>
    <value>9632558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>333076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>333076</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>2311182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>53686</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>5424844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>221875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>221875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>ULTRA SHT DUR MU</titleOfClass>
    <cusip>33740J104</cusip>
    <value>634398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31625</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>2384244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>115570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST LADDERED</titleOfClass>
    <cusip>33740U703</cusip>
    <value>857475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35258</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST LADDERED</titleOfClass>
    <cusip>33740U752</cusip>
    <value>4638023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>156902</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>5597459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>167689</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>723023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16648</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337738108</cusip>
    <value>1322730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337932107</cusip>
    <value>422271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11034</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>1951889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>155653</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>INTL COR DIV TIL</titleOfClass>
    <cusip>35473P108</cusip>
    <value>3687648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>117967</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>SENIOR LOAN ETF</titleOfClass>
    <cusip>35473P595</cusip>
    <value>1890677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>77455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>FTSE JAPAN ETF</titleOfClass>
    <cusip>35473P744</cusip>
    <value>211271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7346</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>FRANKLIN INDIA</titleOfClass>
    <cusip>35473P769</cusip>
    <value>498170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12498</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>US LRG CP MLTFCT</titleOfClass>
    <cusip>35473P801</cusip>
    <value>4460517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>80254</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>FTSE CHINA</titleOfClass>
    <cusip>35473P819</cusip>
    <value>2575309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>155465</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>FRANKLIN DYN MUN</titleOfClass>
    <cusip>35473P868</cusip>
    <value>366255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15010</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>US SML CP MLTFCT</titleOfClass>
    <cusip>35473P876</cusip>
    <value>1032097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26561</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
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    <nameOfIssuer>GABELLI EQUITY TR INC</nameOfIssuer>
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    <nameOfIssuer>GABELLI CONV &amp; INC SECS FD I</nameOfIssuer>
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    <nameOfIssuer>GENERAC HLDGS INC</nameOfIssuer>
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    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
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    <nameOfIssuer>GE AEROSPACE</nameOfIssuer>
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    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
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    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
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    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
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    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
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    <nameOfIssuer>GINKGO BIOWORKS HOLDINGS INC</nameOfIssuer>
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    <nameOfIssuer>GLOBAL INDUSTRIAL COMPANY</nameOfIssuer>
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    <nameOfIssuer>GOLD ROYALTY CORP</nameOfIssuer>
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      <None>0</None>
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    <cusip>381430529</cusip>
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    <cusip>381430602</cusip>
    <value>525528</value>
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    <nameOfIssuer>GOLDMAN SACHS BDC INC</nameOfIssuer>
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      <sshPrnamt>28079</sshPrnamt>
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      <Sole>28079</Sole>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACCESS US AGRAT</titleOfClass>
    <cusip>38149W101</cusip>
    <value>1758857</value>
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      <sshPrnamt>43118</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVEBETA WRLD</titleOfClass>
    <cusip>38149W739</cusip>
    <value>286693</value>
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      <sshPrnamt>6122</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>6122</Sole>
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      <None>0</None>
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    <nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>384802104</cusip>
    <value>709161</value>
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      <sshPrnamt>786</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>786</Sole>
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      <None>0</None>
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    <nameOfIssuer>GRANITE PT MTG TR INC</nameOfIssuer>
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      <sshPrnamt>14207</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>14207</Sole>
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      <None>0</None>
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    <nameOfIssuer>GRAYSCALE BITCOIN TR BTC</nameOfIssuer>
    <titleOfClass>SHS REP COM UT</titleOfClass>
    <cusip>389637109</cusip>
    <value>903004</value>
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      <sshPrnamt>16961</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>16961</Sole>
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      <None>0</None>
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    <nameOfIssuer>GROWGENERATION CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>39986L109</cusip>
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      <sshPrnamt>18549</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>18549</Sole>
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      <None>0</None>
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    <nameOfIssuer>GUGGENHEIM STRATEGIC OPPORTU</nameOfIssuer>
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    <cusip>40167F101</cusip>
    <value>551938</value>
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      <sshPrnamt>37018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>37018</Sole>
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      <None>0</None>
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    <nameOfIssuer>GUGGENHEIM ACTIVE ALLOC FD</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>40170T106</cusip>
    <value>185117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>12399</Sole>
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      <None>0</None>
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    <nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40412C101</cusip>
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      <sshPrnamt>696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>696</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40434L105</cusip>
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      <sshPrnamt>8328</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>8328</Sole>
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      <None>0</None>
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    <nameOfIssuer>HALEON PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>405552100</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>29016</Sole>
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      <None>0</None>
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    <nameOfIssuer>HARBOR ETF TRUST</nameOfIssuer>
    <titleOfClass>LONG TERM GROWER</titleOfClass>
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      <sshPrnamt>274020</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>HARBOR ETF TRUST</nameOfIssuer>
    <titleOfClass>DIVIDEND GTH LEA</titleOfClass>
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      <sshPrnamt>382489</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>HARTFORD FDS EXCHANGE TRADED</nameOfIssuer>
    <titleOfClass>TOTAL RTRN ETF</titleOfClass>
    <cusip>41653L305</cusip>
    <value>965148</value>
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      <sshPrnamt>28819</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>28819</Sole>
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      <None>0</None>
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    <nameOfIssuer>HAYWARD HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>45000</sshPrnamt>
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      <Sole>45000</Sole>
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      <None>0</None>
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    <nameOfIssuer>HERITAGE COMM CORP</nameOfIssuer>
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    <cusip>426927109</cusip>
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      <sshPrnamt>10273</sshPrnamt>
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      <Sole>10273</Sole>
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      <None>0</None>
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    <cusip>427096508</cusip>
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      <sshPrnamt>21862</sshPrnamt>
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      <Sole>21862</Sole>
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      <None>0</None>
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    <nameOfIssuer>HERSHEY CO</nameOfIssuer>
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      <sshPrnamt>25634</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>25634</Sole>
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      <None>0</None>
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    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
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    <cusip>437076102</cusip>
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      <sshPrnamt>32468</sshPrnamt>
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      <Sole>32468</Sole>
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    <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
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      <sshPrnamt>26534</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>26534</Sole>
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      <None>0</None>
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    <nameOfIssuer>HUMANA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>444859102</cusip>
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      <sshPrnamt>1702</sshPrnamt>
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      <Sole>1702</Sole>
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      <None>0</None>
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    <nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
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      <sshPrnamt>19436</sshPrnamt>
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      <Sole>19436</Sole>
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      <None>0</None>
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    <nameOfIssuer>ICF INTL INC</nameOfIssuer>
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      <sshPrnamt>4446</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4446</Sole>
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      <None>0</None>
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    <nameOfIssuer>ICAHN ENTERPRISES LP</nameOfIssuer>
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      <sshPrnamt>10543</sshPrnamt>
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      <Sole>10543</Sole>
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      <None>0</None>
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    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
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      <sshPrnamt>3037</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3037</Sole>
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      <None>0</None>
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    <nameOfIssuer>INDEXIQ ETF TR</nameOfIssuer>
    <titleOfClass>FTSE INTERNL EQT</titleOfClass>
    <cusip>45409B560</cusip>
    <value>2454184</value>
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      <sshPrnamt>91917</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>91917</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INDEXIQ ETF TR</nameOfIssuer>
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    <cusip>45409B800</cusip>
    <value>995716</value>
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      <sshPrnamt>31510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
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      <Sole>31510</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INDEXIQ ETF TR</nameOfIssuer>
    <titleOfClass>IQ MRGR ARB ETF</titleOfClass>
    <cusip>45409B800</cusip>
    <value>19529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>618</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INDEXIQ ETF TR</nameOfIssuer>
    <titleOfClass>IQ MRGR ARB ETF</titleOfClass>
    <cusip>45409B800</cusip>
    <value>1732944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>54840</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>277490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11476</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGERSOLL RAND INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45687V106</cusip>
    <value>224829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INNOVATE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45784J105</cusip>
    <value>15946</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>2540314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>82025</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>6289500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459506101</cusip>
    <value>469385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>460146103</cusip>
    <value>668178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES ACTIVELY MANAGED</nameOfIssuer>
    <titleOfClass>TOTAL RETURN</titleOfClass>
    <cusip>46090A804</cusip>
    <value>1012085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21831</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES ACTIVELY MANAGED</nameOfIssuer>
    <titleOfClass>VAR RATE INVT</titleOfClass>
    <cusip>46090A879</cusip>
    <value>11492474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>457139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>457139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>263678668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>550351</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>3356896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>238925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>238925</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>461202103</cusip>
    <value>919437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1399</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>46120E602</cusip>
    <value>2114372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4753</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO INDIA EXCHANGE-TRADE</nameOfIssuer>
    <titleOfClass>INDIA ETF</titleOfClass>
    <cusip>46137R109</cusip>
    <value>498664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>AEROSPACE DEFN</titleOfClass>
    <cusip>46137V100</cusip>
    <value>4091851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>39835</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P SML600 GWT</titleOfClass>
    <cusip>46137V175</cusip>
    <value>254356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5364</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P MDCP400 PR</titleOfClass>
    <cusip>46137V217</cusip>
    <value>249795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P 500 TOP 50</titleOfClass>
    <cusip>46137V233</cusip>
    <value>5502993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>120284</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 QUALITY</titleOfClass>
    <cusip>46137V241</cusip>
    <value>62038041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>976362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>976362</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 PUR VAL</titleOfClass>
    <cusip>46137V258</cusip>
    <value>926129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 PUR GWT</titleOfClass>
    <cusip>46137V266</cusip>
    <value>745386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20005</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL UTL</titleOfClass>
    <cusip>46137V274</cusip>
    <value>219888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3789</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL TEC</titleOfClass>
    <cusip>46137V282</cusip>
    <value>834492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22763</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>BUYBACK ACHIEV</titleOfClass>
    <cusip>46137V308</cusip>
    <value>4886625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>47032</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL MAT</titleOfClass>
    <cusip>46137V316</cusip>
    <value>368388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10681</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL IND</titleOfClass>
    <cusip>46137V324</cusip>
    <value>2100667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>46260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL HLT</titleOfClass>
    <cusip>46137V332</cusip>
    <value>418919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
    <cusip>46137V357</cusip>
    <value>59580413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>362676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>362676</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL ENR</titleOfClass>
    <cusip>46137V365</cusip>
    <value>5673852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>70369</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GARP ETF</titleOfClass>
    <cusip>46137V431</cusip>
    <value>9311354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>90595</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P MDCP VLU MNT</titleOfClass>
    <cusip>46137V456</cusip>
    <value>458909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8886</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P MDCP MOMNTUM</titleOfClass>
    <cusip>46137V464</cusip>
    <value>4278843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37537</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P MDCP QUALITY</titleOfClass>
    <cusip>46137V472</cusip>
    <value>18758616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>193328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>193328</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P SMCP VLU MNT</titleOfClass>
    <cusip>46137V480</cusip>
    <value>807228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15411</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P SMLCP MOMENT</titleOfClass>
    <cusip>46137V498</cusip>
    <value>1101017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DIVID ACHIEVEV</titleOfClass>
    <cusip>46137V506</cusip>
    <value>2203137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>51632</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>INTL DIVI ACHI</titleOfClass>
    <cusip>46137V548</cusip>
    <value>4584008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>255804</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>255804</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>HIG YLD EQ DIV</titleOfClass>
    <cusip>46137V563</cusip>
    <value>1592568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>81088</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>FTSE RAFI 1500</titleOfClass>
    <cusip>46137V597</cusip>
    <value>4415163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>115762</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>FTSE RAFI 1000</titleOfClass>
    <cusip>46137V613</cusip>
    <value>29402635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>774773</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>774773</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>FINL PFD ETF</titleOfClass>
    <cusip>46137V621</cusip>
    <value>193493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>AI AND NEXT GEN</titleOfClass>
    <cusip>46137V639</cusip>
    <value>238305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5018</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>LARGE CAP VALUE</titleOfClass>
    <cusip>46137V738</cusip>
    <value>4704379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>85472</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>LARGE CAP GROWTH</titleOfClass>
    <cusip>46137V746</cusip>
    <value>1945674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20599</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>FOOD &amp; BEVERAGE</titleOfClass>
    <cusip>46137V753</cusip>
    <value>240158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5262</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>BIOTECHNOLOGY</titleOfClass>
    <cusip>46137V787</cusip>
    <value>227496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DORSEY WRGT TECH</titleOfClass>
    <cusip>46137V811</cusip>
    <value>236611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DORSEY WRIGHT MO</titleOfClass>
    <cusip>46137V837</cusip>
    <value>359146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DORSEY WRGT CSMR</titleOfClass>
    <cusip>46137V886</cusip>
    <value>400101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>ZACKS MID CAP</titleOfClass>
    <cusip>46137Y401</cusip>
    <value>750829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
    <cusip>46138B103</cusip>
    <value>235529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10139</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>271319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6369</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>401382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11374</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 MIDCP LOW</titleOfClass>
    <cusip>46138E198</cusip>
    <value>2398031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43419</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>3740728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>67730</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 INTL QULTY</titleOfClass>
    <cusip>46138E214</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>238099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>238099</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 INTL LOW</titleOfClass>
    <cusip>46138E230</cusip>
    <value>296975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10882</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 INTL LOW</titleOfClass>
    <cusip>46138E230</cusip>
    <value>3753262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>137530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P EMRNG MMTM</titleOfClass>
    <cusip>46138E289</cusip>
    <value>1078933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>63448</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 MKTS</titleOfClass>
    <cusip>46138E297</cusip>
    <value>533012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22614</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 MKTS</titleOfClass>
    <cusip>46138E297</cusip>
    <value>840978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>35680</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 MOMNTM</titleOfClass>
    <cusip>46138E339</cusip>
    <value>1426560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16311</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>37192903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>572639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>572639</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P500 LOW VOL</titleOfClass>
    <cusip>46138E354</cusip>
    <value>6893144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>106130</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>14045834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>316134</Sole>
      <Shared>0</Shared>
      <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>12371441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>227458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>227458</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>PFD ETF</titleOfClass>
    <cusip>46138E511</cusip>
    <value>223920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19387</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>909830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>60494</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>584916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10933</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>1236585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>52936</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>FTSE RAFI DEV</titleOfClass>
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    <value>4304918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>88433</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>DORSEY WRGT EMRG</titleOfClass>
    <cusip>46138E867</cusip>
    <value>286022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <cusip>46138G102</cusip>
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    <shrsOrPrnAmt>
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    <cusip>46138G102</cusip>
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    <cusip>46138G300</cusip>
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    <shrsOrPrnAmt>
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    <titleOfClass>INVESCO PHLX SM</titleOfClass>
    <cusip>46138G615</cusip>
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    <shrsOrPrnAmt>
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    <titleOfClass>NASDAQNXTGEN100</titleOfClass>
    <cusip>46138G631</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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    <shrsOrPrnAmt>
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    <cusip>46138G656</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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    <cusip>46138G672</cusip>
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      <None>0</None>
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    <cusip>46138G698</cusip>
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      <None>0</None>
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    <titleOfClass>SOLAR ETF</titleOfClass>
    <cusip>46138G706</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>33261</sshPrnamt>
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    <titleOfClass>VAR RATE PFD</titleOfClass>
    <cusip>46138G870</cusip>
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    <shrsOrPrnAmt>
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    <cusip>46138G888</cusip>
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    <shrsOrPrnAmt>
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    <cusip>46138J395</cusip>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <cusip>46138J445</cusip>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <cusip>46138J460</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>72347</sshPrnamt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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      <sshPrnamt>118924</sshPrnamt>
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    <shrsOrPrnAmt>
      <sshPrnamt>112725</sshPrnamt>
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    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>10524</sshPrnamt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
      <sshPrnamt>7138</sshPrnamt>
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      <Sole>7138</Sole>
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    <shrsOrPrnAmt>
      <sshPrnamt>419157</sshPrnamt>
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    <cusip>46138J791</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>416928</sshPrnamt>
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    <cusip>46138J817</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>26215</sshPrnamt>
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    <cusip>46138J825</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>339009</sshPrnamt>
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      <Sole>339009</Sole>
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    <cusip>46138J841</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>229933</sshPrnamt>
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      <Sole>229933</Sole>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
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    <cusip>46139W841</cusip>
    <value>455925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17952</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULLETSHS 2032</titleOfClass>
    <cusip>46139W858</cusip>
    <value>531511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26549</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>321300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>13500</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>390796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16420</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>569534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>23930</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>366732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>17570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
    <titleOfClass>ENERGY FD</titleOfClass>
    <cusip>46140H304</cusip>
    <value>6951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>333</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>633066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>30330</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>21000010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>366500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>366500</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>3438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>60</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>1196972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>20890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
    <titleOfClass>BASE METALS FD</titleOfClass>
    <cusip>46140H700</cusip>
    <value>235819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11709</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46284V101</cusip>
    <value>762218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
    <titleOfClass>ISHARES NEW</titleOfClass>
    <cusip>464285204</cusip>
    <value>13025245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>296500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>296500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
    <titleOfClass>ISHARES NEW</titleOfClass>
    <cusip>464285204</cusip>
    <value>7400184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>168454</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI AUST ETF</titleOfClass>
    <cusip>464286103</cusip>
    <value>1566329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>64115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI AUST ETF</titleOfClass>
    <cusip>464286103</cusip>
    <value>2321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI AUSTRIA ETF</titleOfClass>
    <cusip>464286202</cusip>
    <value>1375236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>62937</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI BELGIUM ETF</titleOfClass>
    <cusip>464286301</cusip>
    <value>1434863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>77897</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>EM MKTS DIV ETF</titleOfClass>
    <cusip>464286319</cusip>
    <value>1633545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>60101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI WORLD ETF</titleOfClass>
    <cusip>464286392</cusip>
    <value>463414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3142</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI GBL MIN VOL</titleOfClass>
    <cusip>464286525</cusip>
    <value>7747127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>74036</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI GBL MIN VOL</titleOfClass>
    <cusip>464286525</cusip>
    <value>1711701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16358</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI EMERG MRKT</titleOfClass>
    <cusip>464286533</cusip>
    <value>409223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7153</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI EMERG MRKT</titleOfClass>
    <cusip>464286533</cusip>
    <value>854717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>14940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI ISRAEL ETF</titleOfClass>
    <cusip>464286632</cusip>
    <value>1183845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>19500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI ISRAEL ETF</titleOfClass>
    <cusip>464286632</cusip>
    <value>189658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI EQUAL WEITE</titleOfClass>
    <cusip>464286681</cusip>
    <value>216124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2449</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI FRANCE ETF</titleOfClass>
    <cusip>464286707</cusip>
    <value>1438171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>38067</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI FRANCE ETF</titleOfClass>
    <cusip>464286707</cusip>
    <value>4911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI SWITZERLAND</titleOfClass>
    <cusip>464286749</cusip>
    <value>2939026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>60963</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI SPAIN ETF</titleOfClass>
    <cusip>464286764</cusip>
    <value>2564639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>82121</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI GERMANY ETF</titleOfClass>
    <cusip>464286806</cusip>
    <value>7741042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>252810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>252810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI GERMANY ETF</titleOfClass>
    <cusip>464286806</cusip>
    <value>7900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>258</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI MEXICO ETF</titleOfClass>
    <cusip>464286822</cusip>
    <value>353699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>6248</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI MEXICO ETF</titleOfClass>
    <cusip>464286822</cusip>
    <value>1239985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21904</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 100 ETF</titleOfClass>
    <cusip>464287101</cusip>
    <value>1758652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6654</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MORNINGSTAR GRWT</titleOfClass>
    <cusip>464287119</cusip>
    <value>248545951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3053015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>3053015</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MORNINGSTAR GRWT</titleOfClass>
    <cusip>464287119</cusip>
    <value>268490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3298</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MORNINGSTR US EQ</titleOfClass>
    <cusip>464287127</cusip>
    <value>32752772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>435716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>435716</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MORNINGSTR US EQ</titleOfClass>
    <cusip>464287127</cusip>
    <value>1081020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14381</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
    <cusip>464287150</cusip>
    <value>13167001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>110852</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
    <cusip>464287150</cusip>
    <value>14978277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>126101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
    <cusip>464287150</cusip>
    <value>21450480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>180590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>10974459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>90713</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
    <value>6812137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>63796</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
    <value>3881453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>36350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CHINA LG-CAP ETF</titleOfClass>
    <cusip>464287184</cusip>
    <value>6676701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>256895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>256895</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CHINA LG-CAP ETF</titleOfClass>
    <cusip>464287184</cusip>
    <value>82960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3192</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US TRSPRTION</titleOfClass>
    <cusip>464287192</cusip>
    <value>495632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>95357564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>174255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>217723117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>397864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>397864</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
    <cusip>464287226</cusip>
    <value>26809569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>276188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>276188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
    <cusip>464287226</cusip>
    <value>18665590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>192290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>192290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>8623070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>202467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>202467</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF</titleOfClass>
    <cusip>464287242</cusip>
    <value>16198794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>151221</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL TECH ETF</titleOfClass>
    <cusip>464287291</cusip>
    <value>1769532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>35313264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>381600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>381600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>13200276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>142644</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOB HLTHCRE ETF</titleOfClass>
    <cusip>464287325</cusip>
    <value>7656143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>82466</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL FINLS ETF</titleOfClass>
    <cusip>464287333</cusip>
    <value>533749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6274</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL ENERG ETF</titleOfClass>
    <cusip>464287341</cusip>
    <value>6009403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>144770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>LATN AMER 40 ETF</titleOfClass>
    <cusip>464287390</cusip>
    <value>1075748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43447</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>43447</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>LATN AMER 40 ETF</titleOfClass>
    <cusip>464287390</cusip>
    <value>723710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29229</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>3456552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>18991</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>33499851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>184055</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>20 YR TR BD ETF</titleOfClass>
    <cusip>464287432</cusip>
    <value>9247661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>100759</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>7-10 YR TRSY BD</titleOfClass>
    <cusip>464287440</cusip>
    <value>16005253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>170905</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>1 3 YR TREAS BD</titleOfClass>
    <cusip>464287457</cusip>
    <value>5652630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>69230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>7720205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>98560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>17837543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>227723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>227723</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>55790936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>462075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>462075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>3499166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28981</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>9325458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>84508</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>57878244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>524497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>496210</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>7875706</value>
    <shrsOrPrnAmt>
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    <otherManager>10</otherManager>
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      <Sole>97135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>10570175</value>
    <shrsOrPrnAmt>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>50969691</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>EXPANDED TECH</titleOfClass>
    <cusip>464287515</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES SEMICDTR</titleOfClass>
    <cusip>464287523</cusip>
    <value>3482662</value>
    <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>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPND TEC SC ETF</titleOfClass>
    <cusip>464287549</cusip>
    <value>299246</value>
    <shrsOrPrnAmt>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3173</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH</titleOfClass>
    <cusip>464287556</cusip>
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    <shrsOrPrnAmt>
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    <otherManager>10</otherManager>
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      <Sole>13747</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>COHEN STEER REIT</titleOfClass>
    <cusip>464287564</cusip>
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    <shrsOrPrnAmt>
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      <Sole>54254</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL 100 ETF</titleOfClass>
    <cusip>464287572</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US CONSUM DISCRE</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>13100952</value>
    <shrsOrPrnAmt>
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    <otherManager>10</otherManager>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>4999361</value>
    <shrsOrPrnAmt>
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    <otherManager>5</otherManager>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>2204424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25019</sshPrnamt>
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    <otherManager>10</otherManager>
    <votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>73256668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200973</sshPrnamt>
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    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>200973</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>37282083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102280</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>113455</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>3432385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22537</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF</titleOfClass>
    <cusip>464287648</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>13191</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>CORE S&amp;P US VLU</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US GWT</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US GWT</titleOfClass>
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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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    <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>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400VL ETF</titleOfClass>
    <cusip>464287705</cusip>
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    <shrsOrPrnAmt>
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    <otherManager>10</otherManager>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. TECH ETF</titleOfClass>
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    <shrsOrPrnAmt>
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    <otherManager>10</otherManager>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US INDUSTRIALS</titleOfClass>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US HLTHCARE ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <Sole>49652</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. FIN SVC ETF</titleOfClass>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26082</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. FINLS ETF</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>18130</sshPrnamt>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18130</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. ENERGY ETF</titleOfClass>
    <cusip>464287796</cusip>
    <value>765024</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15938</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>1818553</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>57585414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>539897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>539897</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US CONSM STAPLES</titleOfClass>
    <cusip>464287812</cusip>
    <value>2901285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>44126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. BAS MTL ETF</titleOfClass>
    <cusip>464287838</cusip>
    <value>2014744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>DOW JONES US ETF</titleOfClass>
    <cusip>464287846</cusip>
    <value>407913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3083</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>2214449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22766</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT</titleOfClass>
    <cusip>464287887</cusip>
    <value>9441660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>73516</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MORNINGSTAR VALU</titleOfClass>
    <cusip>464288109</cusip>
    <value>74046244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>970172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>970172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MORNINGSTAR VALU</titleOfClass>
    <cusip>464288109</cusip>
    <value>79605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1043</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF</titleOfClass>
    <cusip>464288158</cusip>
    <value>1967004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18814</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP ETF</titleOfClass>
    <cusip>464288208</cusip>
    <value>523183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>7464</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP ETF</titleOfClass>
    <cusip>464288208</cusip>
    <value>1394104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19889</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GL CLEAN ENE ETF</titleOfClass>
    <cusip>464288224</cusip>
    <value>1289443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>96805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI EX US</titleOfClass>
    <cusip>464288240</cusip>
    <value>1296000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24393</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI ETF</titleOfClass>
    <cusip>464288257</cusip>
    <value>2132902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18976</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF</titleOfClass>
    <cusip>464288273</cusip>
    <value>6556647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>106370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF</titleOfClass>
    <cusip>464288273</cusip>
    <value>12997349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>210859</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
    <cusip>464288281</cusip>
    <value>8932941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>100960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
    <cusip>464288281</cusip>
    <value>7149538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80804</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>80804</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP GRW</titleOfClass>
    <cusip>464288307</cusip>
    <value>8751945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>129180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP GRW</titleOfClass>
    <cusip>464288307</cusip>
    <value>5772910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>85209</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CALIF MUN BD ETF</titleOfClass>
    <cusip>464288356</cusip>
    <value>264435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4649</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP VAL</titleOfClass>
    <cusip>464288406</cusip>
    <value>25125621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>357711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>357711</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP VAL</titleOfClass>
    <cusip>464288406</cusip>
    <value>2451446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34901</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>34776109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>326383</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL SEL DIV ETF</titleOfClass>
    <cusip>464288448</cusip>
    <value>2807149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>101451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>3579296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>46400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>1074020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13923</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>605764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>11310</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>32404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>605</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>1074949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>20070</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI KLD400 SOC</titleOfClass>
    <cusip>464288570</cusip>
    <value>3681379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35449</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MBS ETF</titleOfClass>
    <cusip>464288588</cusip>
    <value>5626209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>61281</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR SM CP GR</titleOfClass>
    <cusip>464288604</cusip>
    <value>233221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5128</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 5-10YR INVT</titleOfClass>
    <cusip>464288638</cusip>
    <value>216727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4228</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
    <cusip>464288646</cusip>
    <value>343154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6697</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>10-20 YR TRS ETF</titleOfClass>
    <cusip>464288653</cusip>
    <value>2285075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
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    <titleOfClass>SHORT TREAS BD</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>PFD AND INCM SEC</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL MATER ETF</titleOfClass>
    <cusip>464288695</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOB INDSTRL ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLB CNSM STP ETF</titleOfClass>
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  <infoTable>
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    <titleOfClass>US HOME CONS ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US AER DEF ETF</titleOfClass>
    <cusip>464288760</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. INSRNCE ETF</titleOfClass>
    <cusip>464288786</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA ESG SLC</titleOfClass>
    <cusip>464288802</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. MED DVC ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US HLTHCR PR ETF</titleOfClass>
    <cusip>464288828</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US OIL GS EX ETF</titleOfClass>
    <cusip>464288851</cusip>
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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>EAFE VALUE ETF</titleOfClass>
    <cusip>464288877</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF</titleOfClass>
    <cusip>464288885</cusip>
    <value>6986579</value>
    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NEW ZEALAND ETF</titleOfClass>
    <cusip>464289123</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NEW ZEALAND ETF</titleOfClass>
    <cusip>464289123</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EURO FL ETF</titleOfClass>
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    <shrsOrPrnAmt>
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    <titleOfClass>RUS TP200 VL ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS TP200 GR ETF</titleOfClass>
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  <infoTable>
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    <titleOfClass>RUS TOP 200 ETF</titleOfClass>
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  <infoTable>
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    <titleOfClass>CORE LT USDB ETF</titleOfClass>
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  <infoTable>
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    <titleOfClass>INDIA 50 ETF</titleOfClass>
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    <titleOfClass>GRWT ALLOCAT ETF</titleOfClass>
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  <infoTable>
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    <titleOfClass>CONSER ALLOC ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR</nameOfIssuer>
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    <cusip>46428Q109</cusip>
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  <infoTable>
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    <titleOfClass>US TREAS BD ETF</titleOfClass>
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    <titleOfClass>MSCI INDONIA ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INDONIA ETF</titleOfClass>
    <cusip>46429B309</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI NORWAY ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI IRELAND ETF</titleOfClass>
    <cusip>46429B507</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INDIA ETF</titleOfClass>
    <cusip>46429B598</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI POLAND ETF</titleOfClass>
    <cusip>46429B606</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INDIA SM CP</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>FLTG RATE NT ETF</titleOfClass>
    <cusip>46429B655</cusip>
    <value>7339640</value>
    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF</titleOfClass>
    <cusip>46429B663</cusip>
    <value>3274044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30120</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE MIN VL</titleOfClass>
    <cusip>46429B689</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9636</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC24 ETF</titleOfClass>
    <cusip>46434VBG4</cusip>
    <value>499107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19861</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CONV BD ETF</titleOfClass>
    <cusip>46435G102</cusip>
    <value>1254935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>15960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CONV BD ETF</titleOfClass>
    <cusip>46435G102</cusip>
    <value>334020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4248</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CONV BD ETF</titleOfClass>
    <cusip>46435G102</cusip>
    <value>2176478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>27680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AWRE USD ETF</titleOfClass>
    <cusip>46435G193</cusip>
    <value>3357107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>147760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INVESTMENT GRADE</titleOfClass>
    <cusip>46435G219</cusip>
    <value>933201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21037</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AWRE 1 5 YR</titleOfClass>
    <cusip>46435G243</cusip>
    <value>1391228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>56808</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>HIGH YLD SYSTM B</titleOfClass>
    <cusip>46435G250</cusip>
    <value>4595610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>98958</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI INTL</titleOfClass>
    <cusip>46435G326</cusip>
    <value>1369447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20863</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INTL VLU FT</titleOfClass>
    <cusip>46435G409</cusip>
    <value>654965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23869</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AWR MSCI USA</titleOfClass>
    <cusip>46435G425</cusip>
    <value>3733761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31292</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AW MSCI EAFE</titleOfClass>
    <cusip>46435G516</cusip>
    <value>641269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE INTL AGGR</titleOfClass>
    <cusip>46435G672</cusip>
    <value>1244156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24923</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE SMCP</titleOfClass>
    <cusip>46435G839</cusip>
    <value>296257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9276</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI EXUS</titleOfClass>
    <cusip>46435G847</cusip>
    <value>520549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16121</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AWR US AGRGT</titleOfClass>
    <cusip>46435U549</cusip>
    <value>2403212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>51560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AWARE MSCI</titleOfClass>
    <cusip>46435U663</cusip>
    <value>300339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7801</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US INFRASTRUC</titleOfClass>
    <cusip>46435U713</cusip>
    <value>699445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16606</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>BROAD USD HIGH</titleOfClass>
    <cusip>46435U853</cusip>
    <value>14025739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>386597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>386597</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>BROAD USD HIGH</titleOfClass>
    <cusip>46435U853</cusip>
    <value>210714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5808</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>BROAD USD HIGH</titleOfClass>
    <cusip>46435U853</cusip>
    <value>994798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>27420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC 2031</titleOfClass>
    <cusip>46436E460</cusip>
    <value>6673421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>334184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>334184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOND DEC 2030</titleOfClass>
    <cusip>46436E593</cusip>
    <value>344830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG ADV TTL USD</titleOfClass>
    <cusip>46436E619</cusip>
    <value>1790206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>42073</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>0-3 MNTH TREASRY</titleOfClass>
    <cusip>46436E718</cusip>
    <value>3604612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35792</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG EAFE ETF</titleOfClass>
    <cusip>46436E759</cusip>
    <value>1422659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21099</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG MSCI USA ETF</titleOfClass>
    <cusip>46436E767</cusip>
    <value>2733501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>58684</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS 27 TRM TS</titleOfClass>
    <cusip>46436E841</cusip>
    <value>303487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13748</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS 26 TRM TS</titleOfClass>
    <cusip>46436E858</cusip>
    <value>593737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26208</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS 25 TRM TS</titleOfClass>
    <cusip>46436E866</cusip>
    <value>1542969</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>66450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS 24 TRM TS</titleOfClass>
    <cusip>46436E874</cusip>
    <value>25035600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1044020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1044020</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>36614521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>181027</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>MKT EXPN ENHNCD</titleOfClass>
    <cusip>46641Q118</cusip>
    <value>1757029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31021</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>ACTIVE VALUE ETF</titleOfClass>
    <cusip>46641Q167</cusip>
    <value>6373057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>107544</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>BETABULDRS JAPAN</titleOfClass>
    <cusip>46641Q217</cusip>
    <value>837986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>14850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>BETABULDRS JAPAN</titleOfClass>
    <cusip>46641Q217</cusip>
    <value>32899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>583</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>EQUITY PREMIUM</titleOfClass>
    <cusip>46641Q332</cusip>
    <value>984532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>525558201</cusip>
    <value>289955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3524</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3524</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>LEONARDO DRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>52661A108</cusip>
    <value>1186215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46500</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>46500</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>LIGHTWAVE LOGIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532275104</cusip>
    <value>30274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10125</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10125</Sole>
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      <None>0</None>
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    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
    <value>13179617</value>
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      <sshPrnamt>14557</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>14557</Sole>
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      <None>0</None>
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    <nameOfIssuer>LIMBACH HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>53263P105</cusip>
    <value>348867</value>
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      <sshPrnamt>6128</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>6128</Sole>
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      <None>0</None>
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    <nameOfIssuer>LITMAN GREGORY FDS TR</nameOfIssuer>
    <titleOfClass>IMGP DBI MANAGED</titleOfClass>
    <cusip>53700T827</cusip>
    <value>1305806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43440</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
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      <Sole>43440</Sole>
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      <None>0</None>
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    <nameOfIssuer>LITMAN GREGORY FDS TR</nameOfIssuer>
    <titleOfClass>IMGP DBI MANAGED</titleOfClass>
    <cusip>53700T827</cusip>
    <value>451561</value>
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      <sshPrnamt>15022</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>15022</Sole>
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      <None>0</None>
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    <nameOfIssuer>LITMAN GREGORY FDS TR</nameOfIssuer>
    <titleOfClass>IMGP DBI MANAGED</titleOfClass>
    <cusip>53700T827</cusip>
    <value>2303498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76630</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
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      <Sole>76630</Sole>
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      <None>0</None>
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    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>539830109</cusip>
    <value>13024616</value>
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      <sshPrnamt>27884</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>27884</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>548661107</cusip>
    <value>2441595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11075</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>11075</Sole>
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      <None>0</None>
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    <nameOfIssuer>LUCID GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>549498103</cusip>
    <value>49514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18971</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>18971</Sole>
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      <None>0</None>
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    <nameOfIssuer>LULULEMON ATHLETICA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>550021109</cusip>
    <value>1710356</value>
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      <sshPrnamt>5726</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>5726</Sole>
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      <None>0</None>
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    <nameOfIssuer>MFS MUN INCOME TR</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>552738106</cusip>
    <value>156538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28670</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>28670</Sole>
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      <None>0</None>
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    <nameOfIssuer>MFS INTER INCOME TR</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>55273C107</cusip>
    <value>1104153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>415095</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>415095</Sole>
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      <None>0</None>
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    <nameOfIssuer>MPLX LP</nameOfIssuer>
    <titleOfClass>COM UNIT REP LTD</titleOfClass>
    <cusip>55336V100</cusip>
    <value>592214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13905</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>13905</Sole>
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      <None>0</None>
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    <nameOfIssuer>MADISON SQUARE GARDEN ENTMT</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>558256103</cusip>
    <value>229444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>6703</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPHERE ENTERTAINMENT CO</nameOfIssuer>
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    <cusip>55826T102</cusip>
    <value>333070</value>
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      <sshPrnamt>9500</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>9500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MAIN STR CAP CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56035L104</cusip>
    <value>245937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4871</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>4871</Sole>
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      <None>0</None>
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    <nameOfIssuer>MAINSTAY MACKAY DEFINEDTERM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56064K100</cusip>
    <value>953798</value>
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      <sshPrnamt>57527</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>57527</Sole>
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      <None>0</None>
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    <nameOfIssuer>MANULIFE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56501R106</cusip>
    <value>244505</value>
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      <sshPrnamt>9185</sshPrnamt>
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      <Sole>9185</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARATHON DIGITAL HOLDINGS IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>565788106</cusip>
    <value>723294</value>
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      <sshPrnamt>36438</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>36438</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>565849106</cusip>
    <value>300462</value>
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      <sshPrnamt>10480</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10480</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56585A102</cusip>
    <value>1033767</value>
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      <sshPrnamt>5959</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5959</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>571748102</cusip>
    <value>404793</value>
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      <sshPrnamt>1921</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1921</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARRIOTT INTL INC NEW</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>571903202</cusip>
    <value>411734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1703</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1703</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARTIN MARIETTA MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>573284106</cusip>
    <value>210760</value>
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      <sshPrnamt>389</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>389</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>573874104</cusip>
    <value>830831</value>
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      <sshPrnamt>11886</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>11886</Sole>
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      <None>0</None>
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    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
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    <cusip>57636Q104</cusip>
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      <sshPrnamt>18918</sshPrnamt>
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      <Sole>18918</Sole>
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    <nameOfIssuer>MATSON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>57686G105</cusip>
    <value>215446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1645</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1645</Sole>
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    <nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM NON VTG</titleOfClass>
    <cusip>579780206</cusip>
    <value>308660</value>
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      <sshPrnamt>4351</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>4351</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>5125342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20112</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>20112</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>915191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1567</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1567</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MEDICAL PPTYS TRUST INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58463J304</cusip>
    <value>197226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45760</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>45760</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MERCADOLIBRE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58733R102</cusip>
    <value>1184891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>721</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>721</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>9115023</value>
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      <sshPrnamt>73627</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>73627</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>METLIFE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
    <value>1536389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21889</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>21889</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MFS HIGH YIELD MUN TR</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>59318E102</cusip>
    <value>104190</value>
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      <sshPrnamt>30376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>30376</Sole>
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      <None>0</None>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>81263555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>181818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MICROSTRATEGY INC</nameOfIssuer>
    <titleOfClass>CL A NEW</titleOfClass>
    <cusip>594972408</cusip>
    <value>1779704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1292</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>595112103</cusip>
    <value>4473730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34013</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34013</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MOELIS &amp; CO</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>60786M105</cusip>
    <value>261556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>609207105</cusip>
    <value>522931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7991</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONROE CAP CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>610335101</cusip>
    <value>99341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13054</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>617446448</cusip>
    <value>2910355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NIO INC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>62914V106</cusip>
    <value>222830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>53565</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NRG ENERGY INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>629377508</cusip>
    <value>532718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6842</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NATIONAL GRID PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR NE</titleOfClass>
    <cusip>636274409</cusip>
    <value>235209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4141</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NETAPP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64110D104</cusip>
    <value>315689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64110L106</cusip>
    <value>4665445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6913</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEUBERGER BERMAN HIGH YIELD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64128C106</cusip>
    <value>320620</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>NEUBERGER BERMAN ETF TRUST</nameOfIssuer>
    <titleOfClass>OPT STRATEGY ETF</titleOfClass>
    <cusip>64135A705</cusip>
    <value>276150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10496</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW GOLD INC CDA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>644535106</cusip>
    <value>19500</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>RITHM CAPITAL CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>64828T201</cusip>
    <value>146347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13414</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW YORK CMNTY BANCORP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>649445103</cusip>
    <value>1269028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>394108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>394108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMONT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>651639106</cusip>
    <value>780122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18632</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>3408510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>48136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>654106103</cusip>
    <value>2800900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>334916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>666807102</cusip>
    <value>847487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1944</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>66987V109</cusip>
    <value>353447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVO-NORDISK A S</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>670100205</cusip>
    <value>8992905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>63002</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670346105</cusip>
    <value>427606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2705</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>100305215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>811925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>811925</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>987557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>80881</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67071L106</cusip>
    <value>256701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20602</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN PFD &amp; INCOME OPPORTUN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67073B106</cusip>
    <value>97454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13046</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67077M108</cusip>
    <value>349904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6873</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6873</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670928100</cusip>
    <value>669231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>77547</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG LRGCP</titleOfClass>
    <cusip>67092P201</cusip>
    <value>1502840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18517</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG LRGVL</titleOfClass>
    <cusip>67092P300</cusip>
    <value>1654257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
    <cusip>67092P607</cusip>
    <value>1331698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33851</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67103H107</cusip>
    <value>1948431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1845</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>674599105</cusip>
    <value>3940257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>62514</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>679580100</cusip>
    <value>565826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3204</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>680223104</cusip>
    <value>449348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14542</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>681919106</cusip>
    <value>415580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4633</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>681936100</cusip>
    <value>280987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8204</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>682680103</cusip>
    <value>552991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6781</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ONTO INNOVATION INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>683344105</cusip>
    <value>386865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1762</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>2160219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15299</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORANGE</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>684060106</cusip>
    <value>147752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>239014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2483</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PGIM ETF TR</nameOfIssuer>
    <titleOfClass>PGIM ULTRA SH BD</titleOfClass>
    <cusip>69344A107</cusip>
    <value>16496225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>331916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>331916</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>1894679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693506107</cusip>
    <value>402974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69351T106</cusip>
    <value>2968670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>107366</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>845771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16997</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>TRENDPILOT 100</titleOfClass>
    <cusip>69374H303</cusip>
    <value>7337897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>101788</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>TRENDPILOT US BD</titleOfClass>
    <cusip>69374H642</cusip>
    <value>264777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>GLOBL CASH ETF</titleOfClass>
    <cusip>69374H709</cusip>
    <value>3552942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>105366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>LUNT LRGCP MULTI</titleOfClass>
    <cusip>69374H816</cusip>
    <value>7062188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>145193</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>PACER US SMALL</titleOfClass>
    <cusip>69374H857</cusip>
    <value>16214034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>372223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>372223</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>EMRG MKT CASH</titleOfClass>
    <cusip>69374H865</cusip>
    <value>1323540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>65254</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>DEVELOPED MRKT</titleOfClass>
    <cusip>69374H873</cusip>
    <value>2136433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>70370</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>47709646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>875567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>875567</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>695156109</cusip>
    <value>289905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1588</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>69608A108</cusip>
    <value>3995352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>157732</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>697435105</cusip>
    <value>4751564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14016</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>701094104</cusip>
    <value>371265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>734</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>704326107</cusip>
    <value>424445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>1246600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21482</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>11015180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>66787</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>5302686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>189517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>189517</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>3363244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33191</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718546104</cusip>
    <value>1356220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9607</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO CORPORATE &amp; INCOME OPP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>72201B101</cusip>
    <value>534493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37351</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>MUNI INCOME OPP</titleOfClass>
    <cusip>72201R635</cusip>
    <value>1195526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVE BD ETF</titleOfClass>
    <cusip>72201R775</cusip>
    <value>1311279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>14397</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVE BD ETF</titleOfClass>
    <cusip>72201R775</cusip>
    <value>897593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9855</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>1751094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18419</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>4717264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>46868</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>270348</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>
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  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>SHTRM MUN BD ACT</titleOfClass>
    <cusip>72201R874</cusip>
    <value>545478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10938</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10938</Sole>
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      <None>0</None>
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    <nameOfIssuer>PIMCO DYNAMIC INCOME FD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>72201Y101</cusip>
    <value>498747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26515</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>723484101</cusip>
    <value>354174</value>
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      <sshPrnamt>4637</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>4637</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLAINS ALL AMERN PIPELINE L</nameOfIssuer>
    <titleOfClass>UNIT LTD PARTN</titleOfClass>
    <cusip>726503105</cusip>
    <value>192656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10787</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10787</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PLANET LABS PBC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>72703X106</cusip>
    <value>41818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22483</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>22483</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLBY GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>72814P109</cusip>
    <value>8062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10375</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10375</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74144T108</cusip>
    <value>257257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2231</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2231</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74251V102</cusip>
    <value>455795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5810</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5810</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PRINCIPAL EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>ACTIVE HIGH YL</titleOfClass>
    <cusip>74255Y102</cusip>
    <value>399220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20956</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>20956</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>11578703</value>
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      <sshPrnamt>70208</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>70208</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>743315103</cusip>
    <value>695413</value>
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      <sshPrnamt>3348</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>3348</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74340W103</cusip>
    <value>7230967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64384</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>64384</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>SP500 EX ENRGY</titleOfClass>
    <cusip>74347B581</cusip>
    <value>1083610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18528</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>18528</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MDCP 400 DIV</titleOfClass>
    <cusip>74347B680</cusip>
    <value>346777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4711</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4711</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>RUSS 2000 DIVD</titleOfClass>
    <cusip>74347B698</cusip>
    <value>1162607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18714</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18714</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>LARGE CAP CRE</titleOfClass>
    <cusip>74347R248</cusip>
    <value>249547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4023</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 DV ARIST</titleOfClass>
    <cusip>74348A467</cusip>
    <value>12790962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>133059</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>HGH YLD INT RATE</titleOfClass>
    <cusip>74348A541</cusip>
    <value>2685140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41867</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>41867</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744320102</cusip>
    <value>4852721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>41409</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744573106</cusip>
    <value>2757633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37417</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>37417</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE OPER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74460D109</cusip>
    <value>392067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1363</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>745867101</cusip>
    <value>263579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2394</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2394</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>2391753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12008</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74762E102</cusip>
    <value>334382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1316</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1316</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RBB FD INC</nameOfIssuer>
    <titleOfClass>US TREAS 3 MNTH</titleOfClass>
    <cusip>74933W452</cusip>
    <value>9058372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181095</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>181095</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RBB FD INC</nameOfIssuer>
    <titleOfClass>US TRSRY 6 MNTH</titleOfClass>
    <cusip>74933W460</cusip>
    <value>1907998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38099</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>38099</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RBB FD INC</nameOfIssuer>
    <titleOfClass>US TREASRY 12 MT</titleOfClass>
    <cusip>74933W478</cusip>
    <value>3395283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68088</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>68088</Sole>
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      <None>0</None>
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    <nameOfIssuer>RBB FD INC</nameOfIssuer>
    <titleOfClass>US TREASY 2 YR</titleOfClass>
    <cusip>74933W486</cusip>
    <value>564936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11783</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>11783</Sole>
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    <nameOfIssuer>RBB FD INC</nameOfIssuer>
    <titleOfClass>US TREASR 10 YR</titleOfClass>
    <cusip>74933W536</cusip>
    <value>23551899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>542046</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>542046</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RBB FD INC</nameOfIssuer>
    <titleOfClass>MOTLEY FOL ETF</titleOfClass>
    <cusip>74933W601</cusip>
    <value>775277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14405</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>14405</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>3104260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30922</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30922</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>756109104</cusip>
    <value>1486144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>28136</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75886F107</cusip>
    <value>1129857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1075</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>760759100</cusip>
    <value>348840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1795</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>767204100</cusip>
    <value>380746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5775</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>76954A103</cusip>
    <value>194550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>14497</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROBINHOOD MKTS INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>770700102</cusip>
    <value>216199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>9520</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROBLOX CORP</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>771049103</cusip>
    <value>539731</value>
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      <sshPrnamt>14505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14505</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>776696106</cusip>
    <value>884383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1569</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>778296103</cusip>
    <value>381029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2622</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SHELL PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>526986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7301</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>922774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2069</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>128999188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>237035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>237035</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>30694398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>142758</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFLO EURP ETF</titleOfClass>
    <cusip>78463X103</cusip>
    <value>251377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6021</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>EURO STOXX 50</titleOfClass>
    <cusip>78463X202</cusip>
    <value>381229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7620</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>2621168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>ASIA PACIF ETF</titleOfClass>
    <cusip>78463X301</cusip>
    <value>22615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>203</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>1215672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>MSCI EMRG MKTS</titleOfClass>
    <cusip>78463X426</cusip>
    <value>351120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6007</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>5630687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>75337</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO EMG MK</titleOfClass>
    <cusip>78463X509</cusip>
    <value>16529445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>438796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>438796</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>1260139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35698</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>1585749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28393</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>2197774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>S&amp;P EMKTSC ETF</titleOfClass>
    <cusip>78463X756</cusip>
    <value>162755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2810</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>883442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31206</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>5633882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>177501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>177501</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
    <cusip>78463X889</cusip>
    <value>17211300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>490630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
    <cusip>78463X889</cusip>
    <value>79867338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2276720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2276720</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>1089130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6329</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP GRW</titleOfClass>
    <cusip>78464A201</cusip>
    <value>17768469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>206947</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLOOMBERG</titleOfClass>
    <cusip>78464A284</cusip>
    <value>1873096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>73628</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>694717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
    <cusip>78464A300</cusip>
    <value>27910624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>356412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>356412</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>1914418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26567</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO LN COR</titleOfClass>
    <cusip>78464A367</cusip>
    <value>301291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13361</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
    <cusip>78464A375</cusip>
    <value>2637100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>80992</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>8518942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>394944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>394944</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>205228956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2561200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>2561200</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>237147139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2959530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2959530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT</titleOfClass>
    <cusip>78464A474</cusip>
    <value>4261623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>143489</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
    <cusip>78464A508</cusip>
    <value>50051106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1026900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>1026900</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>132239906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2713170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2713170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>DJ REIT ETF</titleOfClass>
    <cusip>78464A607</cusip>
    <value>4196389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45074</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>45074</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>AEROSPACE DEF</titleOfClass>
    <cusip>78464A631</cusip>
    <value>1575475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO AGRGTE</titleOfClass>
    <cusip>78464A649</cusip>
    <value>67694827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2698080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2698080</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI TIPS ETF</titleOfClass>
    <cusip>78464A656</cusip>
    <value>695771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27371</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
    <cusip>78464A664</cusip>
    <value>9540828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>350508</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI INTRMDIT</titleOfClass>
    <cusip>78464A672</cusip>
    <value>8337015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>297538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>297538</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P PHARMAC</titleOfClass>
    <cusip>78464A722</cusip>
    <value>10446944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>262618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>262618</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>591223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9965</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>11882936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>93434</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>394547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8505</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>20616736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310727</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>310727</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>2863420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34064</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>11501763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>157688</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>1062590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14568</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>16942646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>330266</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>18107392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>282928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>282928</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>2697954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29101</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>238751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2362</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>BLACKSTONE SENR</titleOfClass>
    <cusip>78467V608</cusip>
    <value>1974214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>47230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>ULT SHT TRM BD</titleOfClass>
    <cusip>78467V707</cusip>
    <value>311336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7693</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>SPDR TR TACTIC</titleOfClass>
    <cusip>78467V848</cusip>
    <value>1588879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>40002</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>9861561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25213</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>3093833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5782</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO SH TSR</titleOfClass>
    <cusip>78468R101</cusip>
    <value>10087265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>349403</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG INVT</titleOfClass>
    <cusip>78468R200</cusip>
    <value>399508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
    <cusip>78468R408</cusip>
    <value>3629290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>145346</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>6450206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>64911</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>1419735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26737</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>391314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
    <cusip>78468R606</cusip>
    <value>4906873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>211230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>211230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
    <cusip>78468R606</cusip>
    <value>955380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>41127</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>3576038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>37934</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>5360098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>56859</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>18087727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>197077</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
    <cusip>78468R739</cusip>
    <value>1107030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23459</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>RUSSELL LOW VOL</titleOfClass>
    <cusip>78468R754</cusip>
    <value>4051648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34279</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>RUSSELL YIELD</titleOfClass>
    <cusip>78468R770</cusip>
    <value>2035980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19626</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>1694689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>42125</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>23934487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>576318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>576318</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>74372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>676</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>1733890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>15760</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>670972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE TR</nameOfIssuer>
    <titleOfClass>SPDR BLACKSTONE</titleOfClass>
    <cusip>78470P846</cusip>
    <value>3725657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>131835</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>4978484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19364</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>80105N105</cusip>
    <value>552109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11379</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP SE</nameOfIssuer>
    <titleOfClass>SPON ADR</titleOfClass>
    <cusip>803054204</cusip>
    <value>258794</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>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>741103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15708</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>10738844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>145730</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>2977586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>47361</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>7484611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>116492</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>10634586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>105460</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>760653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10268</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>1910493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24547</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>1907632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>40203</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>FUNDAMENTAL INTL</titleOfClass>
    <cusip>808524755</cusip>
    <value>3342422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>95416</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>FUNDAMENTAL US L</titleOfClass>
    <cusip>808524771</cusip>
    <value>1954476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>33397220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>429491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>429491</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL EQTY ETF</titleOfClass>
    <cusip>808524805</cusip>
    <value>519438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US TIPS ETF</titleOfClass>
    <cusip>808524870</cusip>
    <value>883026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16978</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL SCEQT ETF</titleOfClass>
    <cusip>808524888</cusip>
    <value>584686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16433</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>1852037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20972</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>28975392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>198802</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>13612018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>177749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>177749</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>5151158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28241</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>22184816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>243388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>243388</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>19137281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>465514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>465514</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>INDL</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>20776398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>170480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>194376816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>859200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>859200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>36456512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>161148</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>COMMUNICATION</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>11317057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>132116</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>8222352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>214068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>214068</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>9217230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>135269</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>249900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>210000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>3731962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4744</Sole>
      <Shared>0</Shared>
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    <nameOfIssuer>THE REALREAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88339P101</cusip>
    <value>65172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20430</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>20430</Sole>
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      <None>0</None>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>1537340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2780</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>2780</Sole>
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      <None>0</None>
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    <nameOfIssuer>3M CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>1782091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17439</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>17439</Sole>
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      <None>0</None>
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    <nameOfIssuer>TORONTO DOMINION BK ONT</nameOfIssuer>
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    <cusip>891160509</cusip>
    <value>2113212</value>
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      <sshPrnamt>38450</sshPrnamt>
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    <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
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    <cusip>89151E109</cusip>
    <value>688871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10331</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10331</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>892356106</cusip>
    <value>268650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>995</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>995</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>591719</value>
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      <sshPrnamt>2910</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>2910</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>472222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12155</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>12155</Sole>
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      <None>0</None>
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    <nameOfIssuer>TYSON FOODS INC</nameOfIssuer>
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    <cusip>902494103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>7730</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>7730</Sole>
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      <None>0</None>
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    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
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    <cusip>902973304</cusip>
    <value>1223276</value>
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      <sshPrnamt>30813</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>30813</Sole>
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      <None>0</None>
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    <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>90353T100</cusip>
    <value>4434498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61014</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>61014</Sole>
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      <None>0</None>
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    <nameOfIssuer>UIPATH INC</nameOfIssuer>
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    <cusip>90364P105</cusip>
    <value>175491</value>
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      <sshPrnamt>13840</sshPrnamt>
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    <nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
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      <Sole>1433</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNDER ARMOUR INC</nameOfIssuer>
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    <cusip>904311206</cusip>
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      <sshPrnamt>27729</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>27729</Sole>
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    <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
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    <value>200384</value>
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      <sshPrnamt>3644</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>3644</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>3356567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14835</sshPrnamt>
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      <Sole>14835</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITED AIRLS HLDGS INC</nameOfIssuer>
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    <cusip>910047109</cusip>
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      <sshPrnamt>5083</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>5083</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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      <sshPrnamt>14549</sshPrnamt>
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      <Sole>14549</Sole>
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    <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
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      <sshPrnamt>2121</sshPrnamt>
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      <Sole>2121</Sole>
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    <nameOfIssuer>UNITED STS COMMODITY INDEX F</nameOfIssuer>
    <titleOfClass>COMM IDX FND</titleOfClass>
    <cusip>911717106</cusip>
    <value>6092130</value>
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    <nameOfIssuer>UNITED STATES STL CORP NEW</nameOfIssuer>
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    <cusip>912909108</cusip>
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      <sshPrnamt>6528</sshPrnamt>
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      <Sole>6528</Sole>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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      <sshPrnamt>25680</sshPrnamt>
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      <Sole>25680</Sole>
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    <nameOfIssuer>VAIL RESORTS INC</nameOfIssuer>
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      <sshPrnamt>2293</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2293</Sole>
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    <nameOfIssuer>VALE S A</nameOfIssuer>
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      <sshPrnamt>29930</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>29930</Sole>
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      <None>0</None>
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    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>9263</sshPrnamt>
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      <Sole>9263</Sole>
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      <None>0</None>
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    <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>29866</sshPrnamt>
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      <Sole>29866</Sole>
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    <nameOfIssuer>VALMONT INDS INC</nameOfIssuer>
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    <cusip>920253101</cusip>
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      <Sole>816</Sole>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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      <Sole>10025</Sole>
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      <Sole>77862</Sole>
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    <cusip>92189F643</cusip>
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      <Sole>117064</Sole>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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    <cusip>92189F676</cusip>
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    <shrsOrPrnAmt>
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      <Sole>43294</Sole>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>RETAIL ETF</titleOfClass>
    <cusip>92189F684</cusip>
    <value>5973334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29032</sshPrnamt>
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      <Sole>29032</Sole>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>PHARMACEUTCL ETF</titleOfClass>
    <cusip>92189F692</cusip>
    <value>2006797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21937</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>21937</Sole>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>BIOTECH ETF</titleOfClass>
    <cusip>92189F726</cusip>
    <value>280908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1668</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>JUNIOR GOLD MINE</titleOfClass>
    <cusip>92189F791</cusip>
    <value>231660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>VANECK VIETNAM</titleOfClass>
    <cusip>92189F817</cusip>
    <value>191641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15747</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>HIGH YLD MUNIETF</titleOfClass>
    <cusip>92189H409</cusip>
    <value>232063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4493</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>MORNINGSTAR SMID</titleOfClass>
    <cusip>92189H730</cusip>
    <value>1010671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31623</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>DIGI TRANSFRM</titleOfClass>
    <cusip>92189H821</cusip>
    <value>139060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11598</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>38557846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>211218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>211218</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>27889775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>462517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>462517</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>248609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4341</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>719916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA GRWTH IND</titleOfClass>
    <cusip>921910816</cusip>
    <value>1490926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4745</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>3036326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25623</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA CAP INDEX</titleOfClass>
    <cusip>921910873</cusip>
    <value>296330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1502</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>27305887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>81889</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>2692598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15318</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>SMLCP 600 VAL</titleOfClass>
    <cusip>921932778</cusip>
    <value>339198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4054</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>1688350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15318</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>883399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>MIDCP 400 GRTH</titleOfClass>
    <cusip>921932869</cusip>
    <value>661512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6039</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>MIDCP 400 IDX</titleOfClass>
    <cusip>921932885</cusip>
    <value>285734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2883</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>1056024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14101</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>760327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9913</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>1416649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>18470</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>7781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>108</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>32172414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>446529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>446529</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>8584254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>173700</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>5702623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>115391</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>56123773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>473219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>473219</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>INTL HIGH ETF</titleOfClass>
    <cusip>921946794</cusip>
    <value>30571233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>446100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>446100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>INTL DVD ETF</titleOfClass>
    <cusip>921946810</cusip>
    <value>5645140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>69453</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>1071278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>22070</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>4595427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>94673</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>1865878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>38440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>VANGUARD ULTRA</titleOfClass>
    <cusip>92203C303</cusip>
    <value>393783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7952</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>729320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14985</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>1041051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>21390</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>4308534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>106200</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>14808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>365</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>1049140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>25860</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>211247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1798</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>529361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4700</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>1606091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27389</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>7331244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>167533</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>22974875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>525020</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>4020556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>54200</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>18835817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>282100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>282100</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>508721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7619</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF</titleOfClass>
    <cusip>92204A108</cusip>
    <value>374796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>CONSUM STP ETF</titleOfClass>
    <cusip>92204A207</cusip>
    <value>2940280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14482</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>ENERGY ETF</titleOfClass>
    <cusip>92204A306</cusip>
    <value>417664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3274</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>FINANCIALS ETF</titleOfClass>
    <cusip>92204A405</cusip>
    <value>1938371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19407</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>5452202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20497</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF</titleOfClass>
    <cusip>92204A603</cusip>
    <value>1039672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>192292765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>333500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>333500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>10605796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18394</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MATERIALS ETF</titleOfClass>
    <cusip>92204A801</cusip>
    <value>1927071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10004</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>UTILITIES ETF</titleOfClass>
    <cusip>92204A876</cusip>
    <value>768444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>92206C102</cusip>
    <value>779270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13438</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>3050817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>39480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000GRW</titleOfClass>
    <cusip>92206C623</cusip>
    <value>1608068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8417</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX</titleOfClass>
    <cusip>92206C664</cusip>
    <value>279764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3413</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW</titleOfClass>
    <cusip>92206C680</cusip>
    <value>277790172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2961200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>2961200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW</titleOfClass>
    <cusip>92206C680</cusip>
    <value>36770800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>391971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>391971</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INTER TERM TREAS</titleOfClass>
    <cusip>92206C706</cusip>
    <value>1122558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19278</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL</titleOfClass>
    <cusip>92206C714</cusip>
    <value>58139601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>759300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>759300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL</titleOfClass>
    <cusip>92206C714</cusip>
    <value>716159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9353</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>469300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10337</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>LONG TERM TREAS</titleOfClass>
    <cusip>92206C847</cusip>
    <value>1606330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27849</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>65475219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>819157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>819157</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>4760231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>59555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEECO INSTRS INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>922417100</cusip>
    <value>215146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4606</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>3842735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>76686</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>30793004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>61570</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>79982790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>159924</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>25558057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>169900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>27077400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>180000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>8861016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>38600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>29786099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>129753</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>4243198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>50659</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>1814943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7256</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>37658256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>206324</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>60717954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>250797</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>41995320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>168237</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>30595674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>122569</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>EXTEND MKT ETF</titleOfClass>
    <cusip>922908652</cusip>
    <value>689338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4084</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>184877631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>494312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>494312</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>104195446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>278590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>278590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>73131079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>455901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>455901</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>107231679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>668485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>668485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>60874588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>279190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>279190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>71269747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>266419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>266419</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEREN INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>92340V107</cusip>
    <value>83084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10557</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>6000131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>145493</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92532F100</cusip>
    <value>768232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1639</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92537N108</cusip>
    <value>324984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3754</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIATRIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92556V106</cusip>
    <value>475182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>44702</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>925652109</cusip>
    <value>298257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10414</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VCSHS US EQ INCM</titleOfClass>
    <cusip>92647N824</cusip>
    <value>748572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12783</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>16125894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>61439</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISTRA CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92840M102</cusip>
    <value>684659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7963</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>929160109</cusip>
    <value>494625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1989</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WSFS FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>929328102</cusip>
    <value>532839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11337</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WP CAREY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92936U109</cusip>
    <value>294297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5346</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92939U106</cusip>
    <value>398655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5081</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>6645330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>98144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931427108</cusip>
    <value>461690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>38172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC</nameOfIssuer>
    <titleOfClass>COM SER A</titleOfClass>
    <cusip>934423104</cusip>
    <value>238913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32112</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106L109</cusip>
    <value>2568827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12041</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>949746101</cusip>
    <value>2941349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>49526</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLTOWER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>95040Q104</cusip>
    <value>294298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2823</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>955306105</cusip>
    <value>318850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>968</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WESTERN ALLIANCE BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>957638109</cusip>
    <value>645099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10269</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WESTERN ASSET HIGH INCOME OP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>95766K109</cusip>
    <value>39110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WESTERN UN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>959802109</cusip>
    <value>235980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19311</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WHEATON PRECIOUS METALS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>962879102</cusip>
    <value>273265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5213</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WHIRLPOOL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>963320106</cusip>
    <value>329186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3221</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WILLIAMS COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>969457100</cusip>
    <value>687820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US TOTAL DIVIDND</titleOfClass>
    <cusip>97717W109</cusip>
    <value>246350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3478</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US LARGECAP DIVD</titleOfClass>
    <cusip>97717W307</cusip>
    <value>4649234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>63907</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>EMER MKT HIGH FD</titleOfClass>
    <cusip>97717W315</cusip>
    <value>2083557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>48108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>INDIA ERNGS FD</titleOfClass>
    <cusip>97717W422</cusip>
    <value>6389279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132338</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>132338</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>HEDGED HI YLD BD</titleOfClass>
    <cusip>97717W430</cusip>
    <value>2139788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>97886</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US MIDCAP DIVID</titleOfClass>
    <cusip>97717W505</cusip>
    <value>4039151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>86362</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>WISDOMTREE US VA</titleOfClass>
    <cusip>97717W547</cusip>
    <value>1609200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22047</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US SMALLCAP FUND</titleOfClass>
    <cusip>97717W562</cusip>
    <value>260959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5537</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US MIDCAP FUND</titleOfClass>
    <cusip>97717W570</cusip>
    <value>4477165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>77473</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD</titleOfClass>
    <cusip>97717W604</cusip>
    <value>451426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14492</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>INTL SMCAP DIV</titleOfClass>
    <cusip>97717W760</cusip>
    <value>2268234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35754</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>GLB US QTLY DIV</titleOfClass>
    <cusip>97717W844</cusip>
    <value>11156519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>285479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>JAPN HEDGE EQT</titleOfClass>
    <cusip>97717W851</cusip>
    <value>1695685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15030</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>EM EX ST-OWNED</titleOfClass>
    <cusip>97717X578</cusip>
    <value>1482768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>48409</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>ITL HDG QTLY DIV</titleOfClass>
    <cusip>97717X594</cusip>
    <value>473270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10381</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US QTLY DIV GRT</titleOfClass>
    <cusip>97717X669</cusip>
    <value>49128494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>629449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>629449</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>EUROPE HEDGED EQ</titleOfClass>
    <cusip>97717X701</cusip>
    <value>634794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14041</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US QUALITY GROW</titleOfClass>
    <cusip>97717Y477</cusip>
    <value>239796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5349</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>FLOATNG RAT TREA</titleOfClass>
    <cusip>97717Y527</cusip>
    <value>12055282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>239620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>239620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORLD GOLD TR</nameOfIssuer>
    <titleOfClass>SPDR GLD MINIS</titleOfClass>
    <cusip>98149E303</cusip>
    <value>18813615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>408193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>408193</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>XYLEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98419M100</cusip>
    <value>259867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1916</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>XPENG INC</nameOfIssuer>
    <titleOfClass>ADS</titleOfClass>
    <cusip>98422D105</cusip>
    <value>195345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>988498101</cusip>
    <value>223725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1689</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>98978V103</cusip>
    <value>601906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3472</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ZSCALER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98980G102</cusip>
    <value>807198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMCOR PLC</nameOfIssuer>
    <titleOfClass>ORD</titleOfClass>
    <cusip>G0250X107</cusip>
    <value>168509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
    <titleOfClass>SHS CLASS A</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>2621462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BROOKFIELD INFRAST PARTNERS</nameOfIssuer>
    <titleOfClass>LP INT UNIT</titleOfClass>
    <cusip>G16252101</cusip>
    <value>302855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11037</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G29183103</cusip>
    <value>636820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2031</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G491BT108</cusip>
    <value>405401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27099</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G51502105</cusip>
    <value>630069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G54950103</cusip>
    <value>1215504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>4000042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>50820</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>381712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29613</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>235454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3071</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>534182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1624</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1624</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>614488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2409</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ON HLDG AG</nameOfIssuer>
    <titleOfClass>NAMEN AKT A</titleOfClass>
    <cusip>H5919C104</cusip>
    <value>2858008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>73660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>L8681T102</cusip>
    <value>488257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1556</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIM INTEGRATED SHIPPING SERV</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>M9T951109</cusip>
    <value>215448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9718</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>N00985106</cusip>
    <value>300850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3228</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS</titleOfClass>
    <cusip>N07059210</cusip>
    <value>3266600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3194</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>269116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>659</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
    <titleOfClass>SHS - A -</titleOfClass>
    <cusip>N53745100</cusip>
    <value>1235927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>N6596X109</cusip>
    <value>746187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2773</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2773</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>V7780T103</cusip>
    <value>233406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1464</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIFF DAVIS INC</nameOfIssuer>
    <titleOfClass>CAL LKD 44</titleOfClass>
    <cusip>48133Q309</cusip>
    <value>18725395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>647042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>647042</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>INVESCO BULLETSH</titleOfClass>
    <cusip>46139W825</cusip>
    <value>4379810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>212509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>212509</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULLETSHS 32 MUN</titleOfClass>
    <cusip>46139W833</cusip>
    <value>693451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27507</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUST FOR PROFESSIONAL MANAG</nameOfIssuer>
    <titleOfClass>CONVERGENCE LNG</titleOfClass>
    <cusip>89834G760</cusip>
    <value>304598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14207</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>7921237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>266978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>266978</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MANAGED PORTFOLIO SERIES</nameOfIssuer>
    <titleOfClass>ECOFIN GBL WATER</titleOfClass>
    <cusip>56167N753</cusip>
    <value>1383320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30544</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>NASDAQ 100 CORE</titleOfClass>
    <cusip>38149W630</cusip>
    <value>2085602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43441</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 CORE PRE</titleOfClass>
    <cusip>38149W622</cusip>
    <value>795037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16748</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>MARKETBETA US EQ</titleOfClass>
    <cusip>381430123</cusip>
    <value>3396272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>45429</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>901431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>NOTE         3/1</titleOfClass>
    <cusip>345370CZ1</cusip>
    <value>3645979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
