<SEC-DOCUMENT>0001532155-25-000165.txt : 20250815
<SEC-HEADER>0001532155-25-000165.hdr.sgml : 20250815
<ACCEPTANCE-DATETIME>20250815094608
ACCESSION NUMBER:		0001532155-25-000165
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250630
FILED AS OF DATE:		20250815
DATE AS OF CHANGE:		20250815
EFFECTIVENESS DATE:		20250815

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
		EIN:				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:		251222696

	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:street1>1345 AVENUE OF THE AMERICAS</com:street1>
          <com:city>NEW YORK</com:city>
          <com:stateOrCountry>NY</com:stateOrCountry>
          <com:zipCode>10105</com:zipCode>
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      <additionalInformation>All media outlets, please contact Erik Bass (212-314-2476) with any questions.</additionalInformation>
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      <name>Anthony Bruccoleri</name>
      <title>Lead Director, Equitable Life Insurance Company</title>
      <phone>201-743-5046</phone>
      <signature>Anthony Bruccoleri</signature>
      <city>Charlotte</city>
      <stateOrCountry>NC</stateOrCountry>
      <signatureDate>08-14-2025</signatureDate>
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    <cusip>01881G106</cusip>
    <value>815498</value>
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    <otherManager>10</otherManager>
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      <Sole>19973</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
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      <Sole>5580</Sole>
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      <None>0</None>
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    <nameOfIssuer>EA SERIES TRUST</nameOfIssuer>
    <titleOfClass>US QUAN VALUE</titleOfClass>
    <cusip>02072L102</cusip>
    <value>794160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18045</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>18045</Sole>
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    <nameOfIssuer>EA SERIES TRUST</nameOfIssuer>
    <titleOfClass>US QUAN MOMENTUM</titleOfClass>
    <cusip>02072L409</cusip>
    <value>1352949</value>
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      <sshPrnamt>20821</sshPrnamt>
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    <cusip>02079K107</cusip>
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    <cusip>02079K305</cusip>
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      <sshPrnamt>260444</sshPrnamt>
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      <Sole>260444</Sole>
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    <cusip>02156K103</cusip>
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    <otherManager>10</otherManager>
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      <Sole>15000</Sole>
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      <None>0</None>
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    <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>02209S103</cusip>
    <value>6052199</value>
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      <sshPrnamt>103227</sshPrnamt>
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      <Sole>103227</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
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    <otherManager>10</otherManager>
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      <Sole>540314</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>
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      <Sole>209095</Sole>
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    <titleOfClass>COM</titleOfClass>
    <cusip>02376R102</cusip>
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      <Sole>14689</Sole>
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      <None>0</None>
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    <cusip>025072307</cusip>
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    <titleOfClass>US LARGE CAP VLU</titleOfClass>
    <cusip>025072349</cusip>
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      <Sole>23365</Sole>
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    <cusip>025072406</cusip>
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    <nameOfIssuer>AMERICAN CENTY ETF TR</nameOfIssuer>
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    <cusip>025072505</cusip>
    <value>669998</value>
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      <sshPrnamt>13693</sshPrnamt>
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    <nameOfIssuer>AMERICAN CENTY ETF TR</nameOfIssuer>
    <titleOfClass>AVANTIS EMGMKT</titleOfClass>
    <cusip>025072604</cusip>
    <value>1553802</value>
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      <sshPrnamt>22670</sshPrnamt>
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      <Sole>22670</Sole>
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    <nameOfIssuer>AMERICAN CENTY ETF TR</nameOfIssuer>
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    <cusip>025072703</cusip>
    <value>1414553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19113</sshPrnamt>
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    <nameOfIssuer>AMERICAN CENTY ETF TR</nameOfIssuer>
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    <value>403773</value>
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      <sshPrnamt>5093</sshPrnamt>
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      <Sole>5093</Sole>
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    <nameOfIssuer>AMERICAN CENTY ETF TR</nameOfIssuer>
    <titleOfClass>US SML CP VALU</titleOfClass>
    <cusip>025072877</cusip>
    <value>1991719</value>
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      <sshPrnamt>21863</sshPrnamt>
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    <nameOfIssuer>AMERICAN CENTY ETF TR</nameOfIssuer>
    <titleOfClass>US EQT ETF</titleOfClass>
    <cusip>025072885</cusip>
    <value>940751</value>
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      <Sole>9331</Sole>
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    <nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <Sole>17576</Sole>
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    <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
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      <sshPrnamt>29411</sshPrnamt>
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      <Sole>29411</Sole>
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    <nameOfIssuer>AMERICAN FINL GROUP INC OHIO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025932104</cusip>
    <value>635467</value>
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      <sshPrnamt>5035</sshPrnamt>
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    <nameOfIssuer>AMERICAN INTL GROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>026874784</cusip>
    <value>287925</value>
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      <sshPrnamt>3364</sshPrnamt>
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      <Sole>3364</Sole>
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    <titleOfClass>COM</titleOfClass>
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      <Sole>6122</Sole>
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    <titleOfClass>COM</titleOfClass>
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      <Sole>7836</Sole>
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    <nameOfIssuer>CENCORA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03073E105</cusip>
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    <nameOfIssuer>AMERIPRISE FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03076C106</cusip>
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    <nameOfIssuer>AMERIS BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03076K108</cusip>
    <value>1112322</value>
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    <titleOfClass>COM</titleOfClass>
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      <Sole>3534</Sole>
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    <nameOfIssuer>AMPLIFY ETF TR</nameOfIssuer>
    <titleOfClass>CWP ENHANCED DIV</titleOfClass>
    <cusip>032108409</cusip>
    <value>6316803</value>
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    <cusip>032108607</cusip>
    <value>440547</value>
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      <sshPrnamt>7714</sshPrnamt>
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    <titleOfClass>AMPLIFY DGTL PAY</titleOfClass>
    <cusip>032108656</cusip>
    <value>208282</value>
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      <sshPrnamt>3476</sshPrnamt>
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    <nameOfIssuer>AMPLIFY ETF TR</nameOfIssuer>
    <titleOfClass>AMPLIFY CYBERSEC</titleOfClass>
    <cusip>032108664</cusip>
    <value>500946</value>
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    <nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>032654105</cusip>
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    <cusip>035710839</cusip>
    <value>674998</value>
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    <otherManager>10</otherManager>
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    <nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
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      <sshPrnamt>618</sshPrnamt>
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      <Sole>618</Sole>
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    <nameOfIssuer>APOLLO GLOBAL MGMT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03769M106</cusip>
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      <sshPrnamt>5813</sshPrnamt>
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    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
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      <sshPrnamt>728969</sshPrnamt>
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      <Sole>728969</Sole>
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    <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>038222105</cusip>
    <value>2358308</value>
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      <sshPrnamt>12882</sshPrnamt>
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    <nameOfIssuer>APPLOVIN CORP</nameOfIssuer>
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      <sshPrnamt>4840</sshPrnamt>
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    <nameOfIssuer>ARES MANAGEMENT CORPORATION</nameOfIssuer>
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    <cusip>03990B101</cusip>
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      <Sole>4443</Sole>
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    <nameOfIssuer>ARES CAPITAL CORP</nameOfIssuer>
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    <cusip>04010L103</cusip>
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      <Sole>33453</Sole>
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    <nameOfIssuer>ARES COML REAL ESTATE CORP</nameOfIssuer>
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    <cusip>04013V108</cusip>
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      <Sole>25500</Sole>
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    <nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
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      <sshPrnamt>11572</sshPrnamt>
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      <Sole>11572</Sole>
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    <value>2961783</value>
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      <sshPrnamt>18312</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>18312</Sole>
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    <nameOfIssuer>ARMADA HOFFLER PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>12458</Sole>
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    <nameOfIssuer>ASTRAZENECA PLC</nameOfIssuer>
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      <sshPrnamt>21572</sshPrnamt>
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      <Sole>21572</Sole>
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    <nameOfIssuer>ATLANTA BRAVES HLDGS INC</nameOfIssuer>
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      <sshPrnamt>4418</sshPrnamt>
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      <Sole>4418</Sole>
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    <nameOfIssuer>ATLANTIC UN BANKSHARES CORP</nameOfIssuer>
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    <cusip>04911A107</cusip>
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      <sshPrnamt>9178</sshPrnamt>
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      <Sole>9178</Sole>
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    <nameOfIssuer>AUTODESK INC</nameOfIssuer>
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    <cusip>052769106</cusip>
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      <sshPrnamt>648</sshPrnamt>
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      <Sole>648</Sole>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
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    <cusip>053015103</cusip>
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      <sshPrnamt>21481</sshPrnamt>
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      <Sole>21481</Sole>
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    <nameOfIssuer>AUTONATION INC</nameOfIssuer>
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      <sshPrnamt>1212</sshPrnamt>
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    <nameOfIssuer>AUTOZONE INC</nameOfIssuer>
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      <sshPrnamt>362</sshPrnamt>
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    <nameOfIssuer>AVALON GLOBOCARE CORP</nameOfIssuer>
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      <sshPrnamt>14223</sshPrnamt>
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    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
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      <sshPrnamt>2177</sshPrnamt>
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    <nameOfIssuer>BJS WHSL CLUB HLDGS INC</nameOfIssuer>
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    <nameOfIssuer>BAIDU INC</nameOfIssuer>
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    <cusip>056752108</cusip>
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    <nameOfIssuer>BANCO SANTANDER S.A.</nameOfIssuer>
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    <cusip>05964H105</cusip>
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      <Sole>41228</Sole>
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    <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
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    <cusip>060505682</cusip>
    <value>599222</value>
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    <nameOfIssuer>BANK FIRST CORP</nameOfIssuer>
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    <nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
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    <value>203540</value>
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    <nameOfIssuer>BARRICK MNG CORP</nameOfIssuer>
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    <cusip>06849F108</cusip>
    <value>871421</value>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>075887109</cusip>
    <value>406166</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>BERKLEY W R CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>084423102</cusip>
    <value>533392</value>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
    <titleOfClass>CL B NEW</titleOfClass>
    <cusip>084670702</cusip>
    <value>87962260</value>
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    <nameOfIssuer>BLACKROCK MUNI INCOME TR II</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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    <nameOfIssuer>BLACKROCK ENHANCED GLOBAL DI</nameOfIssuer>
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    <nameOfIssuer>BLACKROCK ETF TRUST II</nameOfIssuer>
    <titleOfClass>ISHARES HIGH YIE</titleOfClass>
    <cusip>092528108</cusip>
    <value>234255</value>
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    <nameOfIssuer>BLACKROCK ETF TRUST II</nameOfIssuer>
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      <Sole>4632</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>136375102</cusip>
    <value>481497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4628</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CANOPY GROWTH CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>138035704</cusip>
    <value>37630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30844</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL GROUP INTL FOCUS EQT</nameOfIssuer>
    <titleOfClass>SHS CREATION UNI</titleOfClass>
    <cusip>14019W109</cusip>
    <value>5367589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>197847</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL GROUP GROWTH ETF</nameOfIssuer>
    <titleOfClass>SHS CREATION UNI</titleOfClass>
    <cusip>14020G101</cusip>
    <value>18449978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>453874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>453874</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL GROUP CORE EQUITY ET</nameOfIssuer>
    <titleOfClass>SHS CREATION UNI</titleOfClass>
    <cusip>14020V108</cusip>
    <value>5123557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>138737</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>21547087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>545634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>545634</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL GROUP GBL GROWTH EQT</nameOfIssuer>
    <titleOfClass>SHS CREATION UNI</titleOfClass>
    <cusip>14020X104</cusip>
    <value>5176518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>161918</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>4723020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>209912</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer>
    <titleOfClass>MUNICIPAL INCOME</titleOfClass>
    <cusip>14020Y201</cusip>
    <value>2093403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>78434</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer>
    <titleOfClass>US MULTI-SECTOR</titleOfClass>
    <cusip>14020Y300</cusip>
    <value>3131859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>113391</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer>
    <titleOfClass>CORE BOND ETF</titleOfClass>
    <cusip>14020Y508</cusip>
    <value>3388887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>128855</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CAPITAL GROUP CORE BALANCED</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>14021D107</cusip>
    <value>3007025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>89923</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL GROUP DIVIDEND GROWE</nameOfIssuer>
    <titleOfClass>SHS ETF</titleOfClass>
    <cusip>14021L109</cusip>
    <value>1688260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>50201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL GROUP INTERNATIONAL</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>14021M107</cusip>
    <value>275442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8367</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL GROUP NEW GEOGRAPHY</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>14021N105</cusip>
    <value>518205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17987</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>3116934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITOL SER TR</nameOfIssuer>
    <titleOfClass>HULL TACTICAL</titleOfClass>
    <cusip>14064D519</cusip>
    <value>2045356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>51246</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>557592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3319</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARLISLE COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>142339100</cusip>
    <value>394684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1057</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1057</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
    <titleOfClass>UNIT 99/99/9999</titleOfClass>
    <cusip>143658300</cusip>
    <value>354424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12604</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>390030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5329</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CASELLA WASTE SYS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>147448104</cusip>
    <value>314872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2729</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2729</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CASEYS GEN STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>147528103</cusip>
    <value>697029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAVA GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>148929102</cusip>
    <value>5140136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>61025</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>8941641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23033</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CELSIUS HLDGS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>15118V207</cusip>
    <value>240996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS INC N</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>16119P108</cusip>
    <value>2059176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5037</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY PARTNERS LP</nameOfIssuer>
    <titleOfClass>COM UNIT</titleOfClass>
    <cusip>16411Q101</cusip>
    <value>231150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>16411R208</cusip>
    <value>331431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1361</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>10890172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>76054</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHIMERA INVT CORP</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>16934Q802</cusip>
    <value>266110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>169656105</cusip>
    <value>3076065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>54783</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIENA CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>171779309</cusip>
    <value>546212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6716</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
    <value>5388120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>77661</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>172908105</cusip>
    <value>3301373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14813</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>172967424</cusip>
    <value>4704582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>55270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEANCORE SOLUTIONS INC</nameOfIssuer>
    <titleOfClass>CLASS B COM SHS</titleOfClass>
    <cusip>184492106</cusip>
    <value>40326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16595</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
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    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO</nameOfIssuer>
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    <nameOfIssuer>COHEN &amp; STEERS QUALITY INCOM</nameOfIssuer>
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    <nameOfIssuer>COHEN &amp; STEERS INFRASTRUCTUR</nameOfIssuer>
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    <nameOfIssuer>COINBASE GLOBAL INC</nameOfIssuer>
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    <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
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    <nameOfIssuer>COLUMBIA ETF TR I</nameOfIssuer>
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    <nameOfIssuer>COMFORT SYS USA INC</nameOfIssuer>
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    <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
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    <nameOfIssuer>COMPASS DIVERSIFIED</nameOfIssuer>
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    <nameOfIssuer>COMPASS INC</nameOfIssuer>
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    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
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    <nameOfIssuer>COREBRIDGE FINL INC</nameOfIssuer>
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    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
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    <nameOfIssuer>DNP SELECT INCOME FD INC</nameOfIssuer>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DTE ENERGY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>233331107</cusip>
    <value>344661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2602</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DWS MUN INCOME TR NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>233368109</cusip>
    <value>270159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30561</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>235851102</cusip>
    <value>1894409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>237194105</cusip>
    <value>341341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1566</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DATADOG INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>23804L103</cusip>
    <value>969728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7219</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>244199105</cusip>
    <value>5335077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10492</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELL TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>CL C</titleOfClass>
    <cusip>24703L202</cusip>
    <value>1140303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9301</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELTA AIR LINES INC DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>247361702</cusip>
    <value>559177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25179M103</cusip>
    <value>879356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27644</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DICKS SPORTING GOODS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253393102</cusip>
    <value>404324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2044</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253868103</cusip>
    <value>4208152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUMP MEDIA &amp; TECHNOLOGY GRO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25400Q105</cusip>
    <value>258423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14325</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>10962251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>317103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>317103</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>3240779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>111944</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US EQUITY MARKET</titleOfClass>
    <cusip>25434V401</cusip>
    <value>36691506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>547471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>547471</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>2824838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>44339</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>ULTRASHORT FIXED</titleOfClass>
    <cusip>25434V591</cusip>
    <value>253750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US TARGETED VLU</titleOfClass>
    <cusip>25434V609</cusip>
    <value>16728032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>310008</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>GLOBAL REAL EST</titleOfClass>
    <cusip>25434V658</cusip>
    <value>490157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18269</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>1657616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>53437</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>39146240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1092250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1092250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US MKTWIDE VALUE</titleOfClass>
    <cusip>25434V724</cusip>
    <value>1945387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>46012</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>EMERGING MKTS CO</titleOfClass>
    <cusip>25434V732</cusip>
    <value>332832</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>EMERGING MKTS VA</titleOfClass>
    <cusip>25434V740</cusip>
    <value>219647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7324</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>INTL SMALL CAP E</titleOfClass>
    <cusip>25434V773</cusip>
    <value>318393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>INTERNATNAL VAL</titleOfClass>
    <cusip>25434V807</cusip>
    <value>19282451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>450209</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>NATL MUN BD ETF</titleOfClass>
    <cusip>25434V849</cusip>
    <value>254699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>INFLATION PROTE</titleOfClass>
    <cusip>25434V856</cusip>
    <value>1441943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34488</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>CORE FIXED INCOM</titleOfClass>
    <cusip>25434V872</cusip>
    <value>2223933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>52625</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>12484188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>425066</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>13859730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>111763</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256163106</cusip>
    <value>249871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3208</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>729560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12908</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25754A201</cusip>
    <value>435730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>967</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOORDASH INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>25809K105</cusip>
    <value>434351</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOUBLELINE ETF TRUST</nameOfIssuer>
    <titleOfClass>OPPORTUNISTIC CO</titleOfClass>
    <cusip>25861R105</cusip>
    <value>314571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6803</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOUBLELINE INCOME SOLUTIONS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>258622109</cusip>
    <value>456222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37273</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>760426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28717</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28717</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>DRAFTKINGS INC NEW</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>26142V105</cusip>
    <value>1013748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23636</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>23636</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>3682190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31205</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>31205</Sole>
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      <None>0</None>
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    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>510790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7447</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>7447</Sole>
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      <None>0</None>
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    <nameOfIssuer>DOXIMITY INC</nameOfIssuer>
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    <cusip>26622P107</cusip>
    <value>583527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9513</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>9513</Sole>
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      <None>0</None>
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    <nameOfIssuer>DYCOM INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>267475101</cusip>
    <value>1857364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7600</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>7600</Sole>
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      <None>0</None>
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    <nameOfIssuer>E L F BEAUTY INC</nameOfIssuer>
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    <cusip>26856L103</cusip>
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      <sshPrnamt>1626</sshPrnamt>
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      <Sole>1626</Sole>
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      <None>0</None>
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    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
    <value>1854673</value>
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      <sshPrnamt>15506</sshPrnamt>
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      <Sole>15506</Sole>
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      <None>0</None>
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    <nameOfIssuer>EQT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26884L109</cusip>
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      <sshPrnamt>8317</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>8317</Sole>
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      <None>0</None>
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    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
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    <cusip>26922A222</cusip>
    <value>567304</value>
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      <sshPrnamt>13703</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>13703</Sole>
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      <None>0</None>
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    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>DEFIANCE CONNECT</titleOfClass>
    <cusip>26922A289</cusip>
    <value>238897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4528</sshPrnamt>
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      <Sole>4528</Sole>
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      <None>0</None>
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    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>DISTILLATE US</titleOfClass>
    <cusip>26922A321</cusip>
    <value>6426301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116103</sshPrnamt>
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      <Sole>116103</Sole>
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    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
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    <cusip>26922A420</cusip>
    <value>877660</value>
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      <sshPrnamt>9559</sshPrnamt>
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      <Sole>9559</Sole>
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      <None>0</None>
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    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>BAHL GAYNOR SML</titleOfClass>
    <cusip>26922B832</cusip>
    <value>3490446</value>
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      <sshPrnamt>120986</sshPrnamt>
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      <Sole>120986</Sole>
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      <None>0</None>
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    <nameOfIssuer>ETFIS SER TR I</nameOfIssuer>
    <titleOfClass>INFRAC ACT MLP</titleOfClass>
    <cusip>26923G772</cusip>
    <value>8188164</value>
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      <sshPrnamt>188895</sshPrnamt>
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      <Sole>188895</Sole>
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    <nameOfIssuer>ETFIS SER TR I</nameOfIssuer>
    <titleOfClass>VIRTUS REAVES UT</titleOfClass>
    <cusip>26923G806</cusip>
    <value>3991075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52792</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>52792</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ETFIS SER TR I</nameOfIssuer>
    <titleOfClass>VIRTUS INFRCAP</titleOfClass>
    <cusip>26923G822</cusip>
    <value>6353233</value>
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      <sshPrnamt>305004</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>305004</Sole>
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    <nameOfIssuer>EASTMAN CHEM CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>277432100</cusip>
    <value>887931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11893</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>11893</Sole>
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      <None>0</None>
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    <nameOfIssuer>EATON VANCE MUNI INCOME TRUS</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>27826U108</cusip>
    <value>141798</value>
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      <sshPrnamt>13861</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>13861</Sole>
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    <nameOfIssuer>EATON VANCE MUN BD FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27827X101</cusip>
    <value>108652</value>
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      <sshPrnamt>11236</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>11236</Sole>
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      <None>0</None>
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    <nameOfIssuer>EATON VANCE TAX-MANAGED DIVE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27828N102</cusip>
    <value>201884</value>
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      <sshPrnamt>13050</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>13050</Sole>
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    <nameOfIssuer>EATON VANCE SHORT DURATION D</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27828V104</cusip>
    <value>382344</value>
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      <sshPrnamt>34664</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>34664</Sole>
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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>527573</value>
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      <sshPrnamt>38037</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>38037</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EBAY INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278642103</cusip>
    <value>1128739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>15159</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278865100</cusip>
    <value>268632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>997</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>997</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EDISON INTL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>281020107</cusip>
    <value>417547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8092</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>8092</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>28176E108</cusip>
    <value>397385</value>
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      <sshPrnamt>5081</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5081</Sole>
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      <None>0</None>
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    <nameOfIssuer>ELLINGTON FINANCIAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>28852N109</cusip>
    <value>151230</value>
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      <sshPrnamt>11642</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>11642</Sole>
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      <None>0</None>
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    <nameOfIssuer>ELLINGTON CREDIT COMPANY</nameOfIssuer>
    <titleOfClass>COM SHS BEN INT</titleOfClass>
    <cusip>288578107</cusip>
    <value>126500</value>
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      <sshPrnamt>22000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>22000</Sole>
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      <None>0</None>
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    <nameOfIssuer>EMCOR GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29084Q100</cusip>
    <value>806614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1508</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1508</Sole>
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      <None>0</None>
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    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>2569136</value>
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      <sshPrnamt>19269</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>19269</Sole>
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      <None>0</None>
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    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29250N105</cusip>
    <value>2991890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66017</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>66017</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
    <titleOfClass>COM UT LTD PTN</titleOfClass>
    <cusip>29273V100</cusip>
    <value>2631316</value>
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      <sshPrnamt>145136</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>145136</Sole>
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      <None>0</None>
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    <nameOfIssuer>TCW ETF TRUST</nameOfIssuer>
    <titleOfClass>FLEXIBLE INCOME</titleOfClass>
    <cusip>29287L700</cusip>
    <value>384480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9746</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>9746</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29355A107</cusip>
    <value>316962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7994</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>7994</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENOVIX CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293594107</cusip>
    <value>127782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12358</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>12358</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29364G103</cusip>
    <value>817901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9840</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>9840</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293792107</cusip>
    <value>4424073</value>
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    <otherManager>10</otherManager>
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    <cusip>29382R107</cusip>
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      <sshPrnamt>114650</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <None>0</None>
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    <cusip>29415C101</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>55275</Sole>
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      <None>0</None>
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    <nameOfIssuer>EQUINIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29444U700</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3402</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>3402</Sole>
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      <None>0</None>
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    <nameOfIssuer>EQUITABLE HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29452E101</cusip>
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      <sshPrnamt>10823</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10823</Sole>
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      <None>0</None>
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    <nameOfIssuer>ESSENTIAL UTILS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29670G102</cusip>
    <value>240519</value>
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      <sshPrnamt>6476</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>6476</Sole>
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      <None>0</None>
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    <nameOfIssuer>ESSEX PPTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>297178105</cusip>
    <value>213400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>753</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>753</Sole>
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      <None>0</None>
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    <nameOfIssuer>EURONET WORLDWIDE INC</nameOfIssuer>
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      <None>0</None>
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    <cusip>29977A105</cusip>
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      <sshPrnamt>2332</sshPrnamt>
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      <Sole>2332</Sole>
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      <None>0</None>
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    <cusip>30034W106</cusip>
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      <sshPrnamt>4729</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>4729</Sole>
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      <None>0</None>
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    <nameOfIssuer>EVOLUTION PETE CORP</nameOfIssuer>
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    <cusip>30049A107</cusip>
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      <sshPrnamt>16554</sshPrnamt>
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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>790471</value>
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      <sshPrnamt>13223</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>13223</Sole>
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      <None>0</None>
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    <nameOfIssuer>EXELON CORP</nameOfIssuer>
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      <sshPrnamt>18709</sshPrnamt>
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      <Sole>18709</Sole>
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      <None>0</None>
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    <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
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      <sshPrnamt>1811</sshPrnamt>
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    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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      <Sole>118961</Sole>
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    <nameOfIssuer>FS KKR CAP CORP</nameOfIssuer>
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      <sshPrnamt>94043</sshPrnamt>
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    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
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    <nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>FEDERAL RLTY INVT TR NEW</nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>44678</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY MERRIMACK STR TR</nameOfIssuer>
    <titleOfClass>LTD TRM BD ETF</titleOfClass>
    <cusip>316188200</cusip>
    <value>246658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4894</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY MERRIMACK STR TR</nameOfIssuer>
    <titleOfClass>TOTAL BD ETF</titleOfClass>
    <cusip>316188309</cusip>
    <value>7396860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>161680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31620M106</cusip>
    <value>356413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4378</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>336433107</cusip>
    <value>263209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>336917109</cusip>
    <value>8000771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>191086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>191086</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>371984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2567</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>1578236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14616</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>9562446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>105209</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>349763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2168</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>6440758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23914</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>1458409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>42656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR SR FLTG RATE INCOME</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>33733U108</cusip>
    <value>341142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33577</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>337344105</cusip>
    <value>4407535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32292</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>337345102</cusip>
    <value>359470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1689</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>33734H106</cusip>
    <value>9369701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>209613</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>ENERGY ALPHADX</titleOfClass>
    <cusip>33734X127</cusip>
    <value>534882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35236</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>265724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4740</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>959252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6096</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>UTILITIES ALPH</titleOfClass>
    <cusip>33734X184</cusip>
    <value>2507837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>59175</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>6528662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>53672</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>1849228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>67147</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>13110863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>173470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33734Y109</cusip>
    <value>1588193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16326</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33735B108</cusip>
    <value>1024232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8918</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33735J101</cusip>
    <value>1461496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18587</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33735K108</cusip>
    <value>2934404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19437</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>COMMON SHS</titleOfClass>
    <cusip>33735T109</cusip>
    <value>2815149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>181155</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>488365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26922</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>NASDQ CLN EDGE</titleOfClass>
    <cusip>33737A108</cusip>
    <value>5462930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>39296</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>387084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8098</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>LATIN AMER ALP</titleOfClass>
    <cusip>33737J125</cusip>
    <value>711202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35697</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>314484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7744</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>966956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16124</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>490633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5043</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
    <titleOfClass>MID CP GR ALPH</titleOfClass>
    <cusip>33737M102</cusip>
    <value>1723408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20905</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>934635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18058</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>4616595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>58012</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>1255835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33480</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>1617347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35244</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>584044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13969</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>CORE INVESTMENT</titleOfClass>
    <cusip>33738D788</cusip>
    <value>7047118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>334621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>334621</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>INTERMEDIATE DUR</titleOfClass>
    <cusip>33738D796</cusip>
    <value>487114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23218</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>1214254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>63507</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>1391667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>56320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>NASD TECH DIV</titleOfClass>
    <cusip>33738R118</cusip>
    <value>12570059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>139404</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>2963279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>129684</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>63886260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1018270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1018270</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>2609396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>44033</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>11296122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138773</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>138773</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>242321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5017</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>433387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13121</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>6398352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>359458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>359458</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>1140642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>46236</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>MANAGD MUN ETF</titleOfClass>
    <cusip>33739N108</cusip>
    <value>3429559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>68839</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>4529178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>68334</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>3640872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>77963</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>1157615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>58157</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>787724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>41481</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>CALIF MUN INCM</titleOfClass>
    <cusip>33739P863</cusip>
    <value>452117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9425</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>2686099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>54529</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>7237864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>120893</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>2274067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>46315</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>26401219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>830227</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>MLT MNGD LRG GRW</titleOfClass>
    <cusip>33740F789</cusip>
    <value>355844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10578</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>SMITH OPPORT FXD</titleOfClass>
    <cusip>33740F805</cusip>
    <value>3618599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82447</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>82447</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>SMITH UNCONSTRAI</titleOfClass>
    <cusip>33740F888</cusip>
    <value>9614858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>386294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>386294</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>ULTRA SHT DUR MU</titleOfClass>
    <cusip>33740J104</cusip>
    <value>320615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15951</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>SECURITIZED PLUS</titleOfClass>
    <cusip>33740U109</cusip>
    <value>2135246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>101005</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>2146021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>80799</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST LAD</titleOfClass>
    <cusip>33740U729</cusip>
    <value>331045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13279</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST LADDERED</titleOfClass>
    <cusip>33740U752</cusip>
    <value>11787162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>355035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>355035</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>17930531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>508235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>508235</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>822109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15278</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337738108</cusip>
    <value>2558909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14842</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337932107</cusip>
    <value>423938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
    <titleOfClass>US QT LW VLTY</titleOfClass>
    <cusip>33939L654</cusip>
    <value>1035807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
    <titleOfClass>CR SCD US BD</titleOfClass>
    <cusip>33939L761</cusip>
    <value>1307109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26796</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>1712141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>157801</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORTINET INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959E109</cusip>
    <value>1950640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18451</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>4859585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>136352</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>FRANKLIN FOCUSED</titleOfClass>
    <cusip>35473P421</cusip>
    <value>1635528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>INCOME FOCUS ETF</titleOfClass>
    <cusip>35473P439</cusip>
    <value>257273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9511</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>1390124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>57372</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>FRANKLIN INDIA</titleOfClass>
    <cusip>35473P769</cusip>
    <value>211258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5304</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>4276753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>67713</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>FTSE CHINA</titleOfClass>
    <cusip>35473P819</cusip>
    <value>730569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33659</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>1426270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58791</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>58791</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>1317649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32051</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
    <titleOfClass>US MID CP MLTFCT</titleOfClass>
    <cusip>35473P884</cusip>
    <value>3741253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>68887</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>35671D857</cusip>
    <value>1059084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24431</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GABELLI EQUITY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>362397101</cusip>
    <value>367236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>63099</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GABELLI CONV &amp; INC SECS FD I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36240B109</cusip>
    <value>321720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>84000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>36266G107</cusip>
    <value>1631170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22022</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>363576109</cusip>
    <value>1035908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3236</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GAP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>364760108</cusip>
    <value>371926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17053</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARTNER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>366651107</cusip>
    <value>345608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>855</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GE VERNOVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36828A101</cusip>
    <value>12247177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAC HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>368736104</cusip>
    <value>1596648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11149</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>5809284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19918</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GE AEROSPACE</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>7413347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28802</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>780777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15070</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>896311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
    <value>216053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1781</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>10302816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>92927</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GINKGO BIOWORKS HOLDINGS INC</nameOfIssuer>
    <titleOfClass>CL A NEW</titleOfClass>
    <cusip>37611X209</cusip>
    <value>684158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>60814</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLADSTONE INVT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>376546107</cusip>
    <value>151291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10602</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GSK PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>37733W204</cusip>
    <value>2314714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>60279</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL NET LEASE INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>379378201</cusip>
    <value>284454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37676</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>MSCI NORWAY ETF</titleOfClass>
    <cusip>37950E101</cusip>
    <value>223382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7637</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>GLB X MLP ENRG I</titleOfClass>
    <cusip>37954Y293</cusip>
    <value>3868879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>61744</Sole>
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      <None>0</None>
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    <titleOfClass>GLBL X MLP ETF</titleOfClass>
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      <None>0</None>
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    <titleOfClass>CYBRSCURTY ETF</titleOfClass>
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    <shrsOrPrnAmt>
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    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5486</Sole>
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      <None>0</None>
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    <titleOfClass>RUSSELL 2000</titleOfClass>
    <cusip>37954Y459</cusip>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>28770</Sole>
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      <None>0</None>
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    <titleOfClass>S&amp;P 500 COVERED</titleOfClass>
    <cusip>37954Y475</cusip>
    <value>438387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11258</sshPrnamt>
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      <Sole>11258</Sole>
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      <None>0</None>
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    <titleOfClass>NASDAQ 100 COVER</titleOfClass>
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    <titleOfClass>ARTIFICIAL ETF</titleOfClass>
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      <None>0</None>
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    <titleOfClass>US INFR DEV ETF</titleOfClass>
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      <sshPrnamt>222668</sshPrnamt>
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      <Sole>222668</Sole>
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    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>RBTCS ARTFL INTE</titleOfClass>
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      <Sole>80555</Sole>
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      <None>0</None>
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    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>GLOBAL X URANIUM</titleOfClass>
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    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
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    <titleOfClass>DEFENSE TECH ETF</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>25717</sshPrnamt>
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    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
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      <Sole>26233</Sole>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
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    <cusip>381430123</cusip>
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      <sshPrnamt>58796</sshPrnamt>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACCES TREASURY</titleOfClass>
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      <Sole>89809</Sole>
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    <nameOfIssuer>GOLDMAN SACHS BDC INC</nameOfIssuer>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
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    <nameOfIssuer>GOLDMAN SACHS PHYSICAL GOLD</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
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      <sshPrnamt>26660</sshPrnamt>
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      <Sole>26660</Sole>
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    <nameOfIssuer>GOLUB CAP BDC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38173M102</cusip>
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      <sshPrnamt>12625</sshPrnamt>
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      <Sole>12625</Sole>
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    <nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>384802104</cusip>
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      <Sole>759</Sole>
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      <None>0</None>
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    <nameOfIssuer>GRAYSCALE BITCOIN TRUST ETF</nameOfIssuer>
    <titleOfClass>SHS REP COM UT</titleOfClass>
    <cusip>389637109</cusip>
    <value>719952</value>
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      <sshPrnamt>8487</sshPrnamt>
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      <Sole>8487</Sole>
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      <None>0</None>
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    <nameOfIssuer>GRIFFON CORP</nameOfIssuer>
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      <Sole>3663</Sole>
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    <nameOfIssuer>GROWGENERATION CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>18549</sshPrnamt>
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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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      <sshPrnamt>48243</sshPrnamt>
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      <Sole>48243</Sole>
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      <None>0</None>
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    <nameOfIssuer>GUIDEWIRE SOFTWARE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40171V100</cusip>
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      <sshPrnamt>1008</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1008</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>765</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>765</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>10384</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10384</Sole>
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      <None>0</None>
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      <sshPrnamt>32955</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>32955</Sole>
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      <None>0</None>
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    <nameOfIssuer>HARBOR ETF TRUST</nameOfIssuer>
    <titleOfClass>LONG TERM GROWER</titleOfClass>
    <cusip>41151J406</cusip>
    <value>5115981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175656</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>175656</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>DIVIDEND GTH LEA</titleOfClass>
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    <value>5762575</value>
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      <sshPrnamt>372500</sshPrnamt>
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      <Sole>372500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HARTFORD INSURANCE GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>2430</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2430</Sole>
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    <nameOfIssuer>HARTFORD FDS EXCHANGE TRADED</nameOfIssuer>
    <titleOfClass>SCHRDRS TAX BD</titleOfClass>
    <cusip>41653L404</cusip>
    <value>208242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HAYWARD HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>421298100</cusip>
    <value>621000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>45000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HERCULES CAPITAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427096508</cusip>
    <value>399930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21878</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HERSHEY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427866108</cusip>
    <value>6563157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>39549</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE C</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42824C109</cusip>
    <value>261433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12784</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>43300A203</cusip>
    <value>249028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>935</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>16599626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45275</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>45275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>438516106</cusip>
    <value>10889003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>46758</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HOWMET AEROSPACE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>443201108</cusip>
    <value>505901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2718</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HUMANA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>444859102</cusip>
    <value>2131866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>446150104</cusip>
    <value>229176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13674</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HUNTINGTON INGALLS INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>446413106</cusip>
    <value>218763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>906</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>452308109</cusip>
    <value>663866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>IMMUNITYBIO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45256X103</cusip>
    <value>38280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEW YORK LIFE INVESTMENTS ET</nameOfIssuer>
    <titleOfClass>NYLI FTSE INTERN</titleOfClass>
    <cusip>45409B560</cusip>
    <value>2960674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>100464</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEW YORK LIFE INVESTMENTS ET</nameOfIssuer>
    <titleOfClass>NYLI MERGER ARBI</titleOfClass>
    <cusip>45409B800</cusip>
    <value>1513083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>42900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEW YORK LIFE INVESTMENTS ET</nameOfIssuer>
    <titleOfClass>NYLI MERGER ARBI</titleOfClass>
    <cusip>45409B800</cusip>
    <value>2116</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>
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  <infoTable>
    <nameOfIssuer>NEW YORK LIFE INVESTMENTS ET</nameOfIssuer>
    <titleOfClass>NYLI MERGER ARBI</titleOfClass>
    <cusip>45409B800</cusip>
    <value>3171831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>89930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGERSOLL RAND INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45687V106</cusip>
    <value>213440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2566</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INNOVATOR ETFS TRUST</nameOfIssuer>
    <titleOfClass>NASDAQ 100  MANA</titleOfClass>
    <cusip>45783Y681</cusip>
    <value>398155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13343</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>1852614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>82706</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>45841N107</cusip>
    <value>1034560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18671</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45866F104</cusip>
    <value>344006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERDIGITAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45867G101</cusip>
    <value>965759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4307</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>14690361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>49835</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>460146103</cusip>
    <value>841582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17971</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MANAGED EXC</nameOfIssuer>
    <titleOfClass>VAR RATE INVT</titleOfClass>
    <cusip>46090A879</cusip>
    <value>17178463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>685767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>685767</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MANAGED EXC</nameOfIssuer>
    <titleOfClass>ULTRA SHRT DUR</titleOfClass>
    <cusip>46090A887</cusip>
    <value>546175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10893</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>306625233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>555843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>555843</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD</nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD</titleOfClass>
    <cusip>46090F100</cusip>
    <value>5135687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>393841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>393841</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTUIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>461202103</cusip>
    <value>1668988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2119</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>46120E602</cusip>
    <value>3928854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO PA VALUE MUN INC TR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46132K109</cusip>
    <value>122501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12177</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO INDIA EXCHANGE-TRADE</nameOfIssuer>
    <titleOfClass>INDIA ETF</titleOfClass>
    <cusip>46137R109</cusip>
    <value>274944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10202</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>AEROSPACE DEFN</titleOfClass>
    <cusip>46137V100</cusip>
    <value>9598364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>67742</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>GBL LISTED PVT</titleOfClass>
    <cusip>46137V118</cusip>
    <value>264453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3841</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>WATER RES ETF</titleOfClass>
    <cusip>46137V142</cusip>
    <value>248460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3554</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>206806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4242</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P 500 TOP 50</titleOfClass>
    <cusip>46137V233</cusip>
    <value>13674374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>262464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>262464</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>94083865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1320290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1320290</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>647319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6904</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>780012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17042</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>353609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4972</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>858337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21048</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL REL</titleOfClass>
    <cusip>46137V290</cusip>
    <value>1298282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37062</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>6535350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>52875</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>2476565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>46265</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>249489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8550</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>55966833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>307950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>307950</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>3897986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36193</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P 100 EQL WIGH</titleOfClass>
    <cusip>46137V449</cusip>
    <value>3851699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35025</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>354448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6372</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>15605392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>121320</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>15379767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>156553</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>539292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10373</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>3290399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>48374</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>2558309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>53110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>INTL DIVI ACHI</titleOfClass>
    <cusip>46137V548</cusip>
    <value>9274118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>452396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>452396</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>HIG YLD EQ DIV</titleOfClass>
    <cusip>46137V563</cusip>
    <value>1969667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>96505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>RAFI US 1500</titleOfClass>
    <cusip>46137V597</cusip>
    <value>5873399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>144416</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>RAFI US 1000 ETF</titleOfClass>
    <cusip>46137V613</cusip>
    <value>31042623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>734389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>734389</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>PHARMACEUTICALS</titleOfClass>
    <cusip>46137V662</cusip>
    <value>275951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>LARGE CAP VALUE</titleOfClass>
    <cusip>46137V738</cusip>
    <value>6488783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>104422</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>LARGE CAP GROWTH</titleOfClass>
    <cusip>46137V746</cusip>
    <value>3416330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DORSEY WRGT TECH</titleOfClass>
    <cusip>46137V811</cusip>
    <value>265307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3885</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DORSEY WRIGHT MO</titleOfClass>
    <cusip>46137V837</cusip>
    <value>381911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3517</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DORSEY WRGT CSMR</titleOfClass>
    <cusip>46137V886</cusip>
    <value>438625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3963</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>ZACKS MID CAP</titleOfClass>
    <cusip>46137Y401</cusip>
    <value>867658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8134</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>2837067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>46004</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>CALIF AMT MUN</titleOfClass>
    <cusip>46138E206</cusip>
    <value>486662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20851</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P INTL MOMNT</titleOfClass>
    <cusip>46138E222</cusip>
    <value>24393571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>476065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>476065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P INTL LOW</titleOfClass>
    <cusip>46138E230</cusip>
    <value>291666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8805</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>1321361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>78467</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>1916346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>73367</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>38201335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>339658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>339658</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>46603853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>639987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>639987</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>15130310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>318131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>CEF INM COMPSI</titleOfClass>
    <cusip>46138E404</cusip>
    <value>203822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10431</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>718552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11556</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>1191128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>85878</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>KBW BK ETF</titleOfClass>
    <cusip>46138E628</cusip>
    <value>628824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>INTL BUYBACK</titleOfClass>
    <cusip>46138E644</cusip>
    <value>2106983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43309</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>1537949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>63906</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>RAFI DVLPD MRKTS</titleOfClass>
    <cusip>46138E743</cusip>
    <value>16754811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>291794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>291794</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>577274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27568</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>DORSEY WRGT DVLP</titleOfClass>
    <cusip>46138E875</cusip>
    <value>1559819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33946</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P SMLCAP QTY</titleOfClass>
    <cusip>46138G300</cusip>
    <value>2037722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>50030</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>SR LN ETF</titleOfClass>
    <cusip>46138G508</cusip>
    <value>234513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>INVESCO PHLX SM</titleOfClass>
    <cusip>46138G615</cusip>
    <value>420446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>NASDAQNXTGEN100</titleOfClass>
    <cusip>46138G631</cusip>
    <value>1057866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33079</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>NASDAQ 100 ETF</titleOfClass>
    <cusip>46138G649</cusip>
    <value>61815939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>272197</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P ULTRA DIVIDE</titleOfClass>
    <cusip>46138G656</cusip>
    <value>1297022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27106</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 SMALLCAP 600</titleOfClass>
    <cusip>46138G664</cusip>
    <value>339697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7847</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 MDCP 400 REV</titleOfClass>
    <cusip>46138G672</cusip>
    <value>338163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2893</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P 500 REVENUE</titleOfClass>
    <cusip>46138G698</cusip>
    <value>31727208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>304221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>304221</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>SOLAR ETF</titleOfClass>
    <cusip>46138G706</cusip>
    <value>509652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14876</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>VAR RATE PFD</titleOfClass>
    <cusip>46138G870</cusip>
    <value>326921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13371</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>46138G888</cusip>
    <value>829439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7859</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULETSHS 2029 HG</titleOfClass>
    <cusip>46138J395</cusip>
    <value>12793575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>594497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>594497</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULLETSHS 31 MUN</titleOfClass>
    <cusip>46138J411</cusip>
    <value>914208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>44336</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULETSHS 2031 CP</titleOfClass>
    <cusip>46138J429</cusip>
    <value>1769355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>107039</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>INVSCO 28 HYCORP</titleOfClass>
    <cusip>46138J452</cusip>
    <value>7575542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>343562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>343562</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>INVSCO 30 CORP</titleOfClass>
    <cusip>46138J460</cusip>
    <value>450325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26837</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2029 MUNI</titleOfClass>
    <cusip>46138J478</cusip>
    <value>778499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2027 MUNI</titleOfClass>
    <cusip>46138J494</cusip>
    <value>1161202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>49476</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2026 MUNI</titleOfClass>
    <cusip>46138J510</cusip>
    <value>254377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10797</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2025 MUNI</titleOfClass>
    <cusip>46138J528</cusip>
    <value>1310976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>53422</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULETSHS 2029</titleOfClass>
    <cusip>46138J577</cusip>
    <value>2799297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>149695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULETSHS 2027</titleOfClass>
    <cusip>46138J585</cusip>
    <value>1361119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>59948</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>RUSL 2000 DYNM</titleOfClass>
    <cusip>46138J593</cusip>
    <value>346738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8649</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>RUSL 1000 DYNM</titleOfClass>
    <cusip>46138J619</cusip>
    <value>4033217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>69803</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>INVSCO BLSH 26</titleOfClass>
    <cusip>46138J635</cusip>
    <value>876718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37579</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>INVSCO BLSH 28</titleOfClass>
    <cusip>46138J643</cusip>
    <value>2893536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>141217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>141217</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>RAFI STRATGIC US</titleOfClass>
    <cusip>46138J742</cusip>
    <value>823022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15981</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BLOOMBERG PRICIN</titleOfClass>
    <cusip>46138J775</cusip>
    <value>216450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2027 CB</titleOfClass>
    <cusip>46138J783</cusip>
    <value>3892527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>198093</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2026 CB</titleOfClass>
    <cusip>46138J791</cusip>
    <value>2756673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>141223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>141223</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2025 HY</titleOfClass>
    <cusip>46138J817</cusip>
    <value>259653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2025 CB</titleOfClass>
    <cusip>46138J825</cusip>
    <value>3808470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>184162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULLETSHARES 203</titleOfClass>
    <cusip>46139W783</cusip>
    <value>4669497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>225036</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>INVESCO BULLETSH</titleOfClass>
    <cusip>46139W817</cusip>
    <value>1250598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>46874</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULLETSHS 32 MUN</titleOfClass>
    <cusip>46139W833</cusip>
    <value>983264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>40166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULLETSHS 2030</titleOfClass>
    <cusip>46139W841</cusip>
    <value>6188656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>237888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>237888</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>381006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>14570</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>434012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16597</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>840984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>32160</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>407624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>21880</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>6595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>354</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>872070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>46810</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>12941362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>172230</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>385393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5129</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>1692904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>22530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IONQ INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46222L108</cusip>
    <value>298770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6953</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46266C105</cusip>
    <value>240482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1526</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46284V101</cusip>
    <value>761275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7422</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
    <titleOfClass>ISHARES NEW</titleOfClass>
    <cusip>464285204</cusip>
    <value>17679060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>283500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
    <titleOfClass>ISHARES NEW</titleOfClass>
    <cusip>464285204</cusip>
    <value>21793635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>349481</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI AUST ETF</titleOfClass>
    <cusip>464286103</cusip>
    <value>1621707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>61615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI AUST ETF</titleOfClass>
    <cusip>464286103</cusip>
    <value>2579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>98</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI AUSTRIA ETF</titleOfClass>
    <cusip>464286202</cusip>
    <value>1182968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>40237</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI BELGIUM ETF</titleOfClass>
    <cusip>464286301</cusip>
    <value>1451021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>65797</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>EM MKTS DIV ETF</titleOfClass>
    <cusip>464286319</cusip>
    <value>1847066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>64470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI WORLD ETF</titleOfClass>
    <cusip>464286392</cusip>
    <value>687005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4056</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI CDA ETF</titleOfClass>
    <cusip>464286509</cusip>
    <value>272257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5893</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI GBL MIN VOL</titleOfClass>
    <cusip>464286525</cusip>
    <value>9274071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>78216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <shrsOrPrnAmt>
      <sshPrnamt>16432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16432</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>3711221</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>45989947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>235339</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>10647627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>120653</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>1012576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10573</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>11894802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>143553</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>9641605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>107860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>31272913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>349848</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>55006579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>416275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>416275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>3924426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29699</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>1498853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>10808</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>69151395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>498640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>498640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>562856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>6120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>15666814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>170347</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>12430359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>200425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>64725933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1043630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1043630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPANDED TECH</titleOfClass>
    <cusip>464287515</cusip>
    <value>26391690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>241020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>241020</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES SEMICDTR</titleOfClass>
    <cusip>464287523</cusip>
    <value>5836215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPND TEC SC ETF</titleOfClass>
    <cusip>464287549</cusip>
    <value>193370842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1721300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>1721300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPND TEC SC ETF</titleOfClass>
    <cusip>464287549</cusip>
    <value>887935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7904</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH</titleOfClass>
    <cusip>464287556</cusip>
    <value>2022642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15988</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT US REIT</titleOfClass>
    <cusip>464287564</cusip>
    <value>3687153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>60287</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL 100 ETF</titleOfClass>
    <cusip>464287572</cusip>
    <value>12706055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>117856</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US CONSUM DISCRE</titleOfClass>
    <cusip>464287580</cusip>
    <value>3044102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30551</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>45602873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>234788</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>18871581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>97161</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>11285159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>124040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>2248298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24712</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>23416861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>55153</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>46047399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>108454</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>34586902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>101855</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>14351586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>42264</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>3369754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>4935373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>2335927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>10825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>22228959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>103012</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US VLU</titleOfClass>
    <cusip>464287663</cusip>
    <value>18587130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>196419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>196419</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US GWT</titleOfClass>
    <cusip>464287671</cusip>
    <value>5813562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38654</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US GWT</titleOfClass>
    <cusip>464287671</cusip>
    <value>32072048</value>
    <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>RUSSELL 3000 ETF</titleOfClass>
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    <value>3619863</value>
    <shrsOrPrnAmt>
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      <Sole>10313</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. UTILITS ETF</titleOfClass>
    <cusip>464287697</cusip>
    <value>1461366</value>
    <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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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US TELECOM ETF</titleOfClass>
    <cusip>464287713</cusip>
    <value>2030996</value>
    <shrsOrPrnAmt>
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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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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. REAL ES ETF</titleOfClass>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US INDUSTRIALS</titleOfClass>
    <cusip>464287754</cusip>
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    <shrsOrPrnAmt>
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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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      <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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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. FINLS ETF</titleOfClass>
    <cusip>464287788</cusip>
    <value>6214772</value>
    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. ENERGY ETF</titleOfClass>
    <cusip>464287796</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>2267768</value>
    <shrsOrPrnAmt>
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      <Sole>20750</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>52760731</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US CONSM STAPLES</titleOfClass>
    <cusip>464287812</cusip>
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    <shrsOrPrnAmt>
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      <Sole>21744</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>DOW JONES US ETF</titleOfClass>
    <cusip>464287846</cusip>
    <value>744563</value>
    <shrsOrPrnAmt>
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      <Sole>4935</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT</titleOfClass>
    <cusip>464287887</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MORNINGSTAR VALU</titleOfClass>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MORNINGSTAR VALU</titleOfClass>
    <cusip>464288109</cusip>
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    <votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF</titleOfClass>
    <cusip>464288158</cusip>
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    <shrsOrPrnAmt>
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      <Sole>7051</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP ETF</titleOfClass>
    <cusip>464288208</cusip>
    <value>594582</value>
    <shrsOrPrnAmt>
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      <Sole>7464</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP ETF</titleOfClass>
    <cusip>464288208</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>GL CLEAN ENE ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI EX US</titleOfClass>
    <cusip>464288240</cusip>
    <value>1585903</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI ETF</titleOfClass>
    <cusip>464288257</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF</titleOfClass>
    <cusip>464288273</cusip>
    <value>7730972</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF</titleOfClass>
    <cusip>464288273</cusip>
    <value>607750</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
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    <value>9350915</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>100960</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
    <cusip>464288281</cusip>
    <value>11541563</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP GRW</titleOfClass>
    <cusip>464288307</cusip>
    <value>8751488</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP GRW</titleOfClass>
    <cusip>464288307</cusip>
    <value>7680819</value>
    <shrsOrPrnAmt>
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      <Sole>95735</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NEW YORK MUN ETF</titleOfClass>
    <cusip>464288323</cusip>
    <value>793362</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15216</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CALIF MUN BD ETF</titleOfClass>
    <cusip>464288356</cusip>
    <value>218557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3921</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3921</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLB INFRASTR ETF</titleOfClass>
    <cusip>464288372</cusip>
    <value>5197286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87792</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>87792</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP VAL</titleOfClass>
    <cusip>464288406</cusip>
    <value>26882560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>353811</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>353811</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP VAL</titleOfClass>
    <cusip>464288406</cusip>
    <value>2762405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36357</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>42424835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>406057</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>406057</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL SEL DIV ETF</titleOfClass>
    <cusip>464288448</cusip>
    <value>5724519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>165880</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR SM CP ETF</titleOfClass>
    <cusip>464288505</cusip>
    <value>220751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3788</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>3040505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>37700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>711010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8816</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>688901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>12180</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>6674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>118</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>1440018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>25460</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG MSCI KLD 400</titleOfClass>
    <cusip>464288570</cusip>
    <value>3342852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28778</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MBS ETF</titleOfClass>
    <cusip>464288588</cusip>
    <value>9290885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>98955</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR SM CP GR</titleOfClass>
    <cusip>464288604</cusip>
    <value>439381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 5-10YR INVT</titleOfClass>
    <cusip>464288638</cusip>
    <value>987410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18529</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
    <cusip>464288646</cusip>
    <value>1547240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>29326</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>12412878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>122174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>3 7 YR TREAS BD</titleOfClass>
    <cusip>464288661</cusip>
    <value>1743478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHORT TREAS BD</titleOfClass>
    <cusip>464288679</cusip>
    <value>2986309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27045</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>PFD AND INCM SEC</titleOfClass>
    <cusip>464288687</cusip>
    <value>4048257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>131951</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL MATER ETF</titleOfClass>
    <cusip>464288695</cusip>
    <value>379742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4443</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOB UTILITS ETF</titleOfClass>
    <cusip>464288711</cusip>
    <value>386407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5238</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOB INDSTRL ETF</titleOfClass>
    <cusip>464288729</cusip>
    <value>618521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLB CNSM STP ETF</titleOfClass>
    <cusip>464288737</cusip>
    <value>446676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6832</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US HOME CONS ETF</titleOfClass>
    <cusip>464288752</cusip>
    <value>1515690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US AER DEF ETF</titleOfClass>
    <cusip>464288760</cusip>
    <value>7046459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37354</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. INSRNCE ETF</titleOfClass>
    <cusip>464288786</cusip>
    <value>2081037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15477</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15477</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US BR DEL SE ETF</titleOfClass>
    <cusip>464288794</cusip>
    <value>907774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5367</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG OPTIMIZED</titleOfClass>
    <cusip>464288802</cusip>
    <value>1000565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7894</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. MED DVC ETF</titleOfClass>
    <cusip>464288810</cusip>
    <value>9578596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>152915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US HLTHCR PR ETF</titleOfClass>
    <cusip>464288828</cusip>
    <value>213282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4384</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US OIL GS EX ETF</titleOfClass>
    <cusip>464288851</cusip>
    <value>776933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8769</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF</titleOfClass>
    <cusip>464288877</cusip>
    <value>871517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13729</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>13729</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF</titleOfClass>
    <cusip>464288877</cusip>
    <value>3675936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>57907</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF</titleOfClass>
    <cusip>464288885</cusip>
    <value>7422016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>66268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NEW ZEALAND ETF</titleOfClass>
    <cusip>464289123</cusip>
    <value>702394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>15400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NEW ZEALAND ETF</titleOfClass>
    <cusip>464289123</cusip>
    <value>147548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EURO FL ETF</titleOfClass>
    <cusip>464289180</cusip>
    <value>1200833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS TP200 VL ETF</titleOfClass>
    <cusip>464289420</cusip>
    <value>697009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8279</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS TP200 GR ETF</titleOfClass>
    <cusip>464289438</cusip>
    <value>13638166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>55325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>MSCI NORWAY ETF</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>35846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35846</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI ITALY ETF</titleOfClass>
    <cusip>46434G830</cusip>
    <value>4574455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>95024</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>ESG AWR MSCI EM</titleOfClass>
    <cusip>46434G863</cusip>
    <value>1334992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34082</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>EMNG MKTS EQT</titleOfClass>
    <cusip>46434G889</cusip>
    <value>10262216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>197085</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>0-5YR INVT GR CP</titleOfClass>
    <cusip>46434V100</cusip>
    <value>1291866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25536</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL SL</titleOfClass>
    <cusip>46434V266</cusip>
    <value>1011509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>26090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL EQTY FACTOR</titleOfClass>
    <cusip>46434V274</cusip>
    <value>3886474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>113540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U S EQUITY FACTR</titleOfClass>
    <cusip>46434V282</cusip>
    <value>628025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9793</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US SML CAP EQT</titleOfClass>
    <cusip>46434V290</cusip>
    <value>3696344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>54398</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPONENTIAL TECH</titleOfClass>
    <cusip>46434V381</cusip>
    <value>409118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>0-5YR HI YL CP</titleOfClass>
    <cusip>46434V407</cusip>
    <value>2544311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>58978</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INTL MOMENT</titleOfClass>
    <cusip>46434V449</cusip>
    <value>1973123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INTL QUALTY</titleOfClass>
    <cusip>46434V456</cusip>
    <value>43814275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1013750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1013750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE TOTAL USD</titleOfClass>
    <cusip>46434V613</cusip>
    <value>2456385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>53134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE DIV GRWTH</titleOfClass>
    <cusip>46434V621</cusip>
    <value>26521864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>414793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>414793</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL REIT ETF</titleOfClass>
    <cusip>46434V647</cusip>
    <value>480909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI UAE ETF</titleOfClass>
    <cusip>46434V761</cusip>
    <value>434866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>HDG MSCI EAFE</titleOfClass>
    <cusip>46434V803</cusip>
    <value>911761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24019</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TRS FLT RT BD</titleOfClass>
    <cusip>46434V860</cusip>
    <value>14496233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>286204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>286204</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ULTRA SHORT DUR</titleOfClass>
    <cusip>46434V878</cusip>
    <value>727283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14342</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14342</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CONV BD ETF</titleOfClass>
    <cusip>46435G102</cusip>
    <value>1560532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>17320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CONV BD ETF</titleOfClass>
    <cusip>46435G102</cusip>
    <value>444463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4933</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CONV BD ETF</titleOfClass>
    <cusip>46435G102</cusip>
    <value>3261620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>36200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AWRE USD ETF</titleOfClass>
    <cusip>46435G193</cusip>
    <value>3736964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>160868</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>1150319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>45702</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>HIGH YLD SYSTM B</titleOfClass>
    <cusip>46435G250</cusip>
    <value>682263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14371</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSEL 2500 ETF</titleOfClass>
    <cusip>46435G268</cusip>
    <value>242042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3571</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI INTL</titleOfClass>
    <cusip>46435G326</cusip>
    <value>2757134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36259</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INTL VLU FT</titleOfClass>
    <cusip>46435G409</cusip>
    <value>2042009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>62086</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AWR MSCI USA</titleOfClass>
    <cusip>46435G425</cusip>
    <value>3370323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>FALN ANGLS USD</titleOfClass>
    <cusip>46435G474</cusip>
    <value>745590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27472</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AW MSCI EAFE</titleOfClass>
    <cusip>46435G516</cusip>
    <value>1144336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12826</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL DIV GRWTH</titleOfClass>
    <cusip>46435G524</cusip>
    <value>1245436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15787</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE INTL AGGR</titleOfClass>
    <cusip>46435G672</cusip>
    <value>20011238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>391686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>391686</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE SMCP</titleOfClass>
    <cusip>46435G839</cusip>
    <value>284187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7994</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI EXUS</titleOfClass>
    <cusip>46435G847</cusip>
    <value>1833428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>51865</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG MSCI LEADR</titleOfClass>
    <cusip>46435U218</cusip>
    <value>1793409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16552</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>FOCUSD VAL FAC</titleOfClass>
    <cusip>46435U333</cusip>
    <value>954227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AWR US AGRGT</titleOfClass>
    <cusip>46435U549</cusip>
    <value>3852214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81031</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>81031</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AWARE MSCI</titleOfClass>
    <cusip>46435U663</cusip>
    <value>228762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5535</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US INFRASTRUC</titleOfClass>
    <cusip>46435U713</cusip>
    <value>2182265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>44364</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>BROAD USD HIGH</titleOfClass>
    <cusip>46435U853</cusip>
    <value>12861316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>342877</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>342877</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>BROAD USD HIGH</titleOfClass>
    <cusip>46435U853</cusip>
    <value>1357412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE DIVID ETF</titleOfClass>
    <cusip>46435U861</cusip>
    <value>327130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6501</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC 2033</titleOfClass>
    <cusip>46436E148</cusip>
    <value>2484775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>101378</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC 29</titleOfClass>
    <cusip>46436E205</cusip>
    <value>214239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9183</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9183</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA QUALITY</titleOfClass>
    <cusip>46436E403</cusip>
    <value>1458962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24163</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC 2031</titleOfClass>
    <cusip>46436E460</cusip>
    <value>3690000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>180000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOND DEC 2030</titleOfClass>
    <cusip>46436E593</cusip>
    <value>394380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19878</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19878</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG ADV TTL USD</titleOfClass>
    <cusip>46436E619</cusip>
    <value>1714781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39375</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>39375</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>0-3 MNTH TREASRY</titleOfClass>
    <cusip>46436E718</cusip>
    <value>5305557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>52692</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG EAFE ETF</titleOfClass>
    <cusip>46436E759</cusip>
    <value>1210469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16261</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG MSCI USA ETF</titleOfClass>
    <cusip>46436E767</cusip>
    <value>2657563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>49278</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS 28 TRM TS</titleOfClass>
    <cusip>46436E833</cusip>
    <value>240057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10736</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS 27 TRM TS</titleOfClass>
    <cusip>46436E841</cusip>
    <value>711314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31628</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS 26 TRM TS</titleOfClass>
    <cusip>46436E858</cusip>
    <value>1166059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>50853</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>46436E866</cusip>
    <value>2477164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106043</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>106043</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES BITCOIN TRUST ETF</nameOfIssuer>
    <titleOfClass>SHS BEN INT</titleOfClass>
    <cusip>46438F101</cusip>
    <value>7671021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125323</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>125323</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC 2034</titleOfClass>
    <cusip>46438G646</cusip>
    <value>525709</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>20451</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO.</nameOfIssuer>
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      <sshPrnamt>202586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>202586</Sole>
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      <None>0</None>
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    <nameOfIssuer>JABIL INC</nameOfIssuer>
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      <sshPrnamt>1747</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1747</Sole>
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      <None>0</None>
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    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
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      <sshPrnamt>52710</sshPrnamt>
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      <Sole>52710</Sole>
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  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>INTRNL RES EQT</titleOfClass>
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      <sshPrnamt>59700</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>59700</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>INTRNL RES EQT</titleOfClass>
    <cusip>46641Q134</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>10149</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10149</Sole>
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      <None>0</None>
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    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>ACTIVE VALUE ETF</titleOfClass>
    <cusip>46641Q167</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>33935</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33935</Sole>
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      <None>0</None>
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    <titleOfClass>BETABULDRS JAPAN</titleOfClass>
    <cusip>46641Q217</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4850</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>4850</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>BETABULDRS JAPAN</titleOfClass>
    <cusip>46641Q217</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1117</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>DIV RTN EM EQT</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>7344</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7344</Sole>
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      <None>0</None>
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    <titleOfClass>EQUITY PREMIUM</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>14610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>14610</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
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    <cusip>46641Q332</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>218</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>EQUITY PREMIUM</titleOfClass>
    <cusip>46641Q332</cusip>
    <value>1753823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
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      <Sole>30850</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>BETABUILDRS US</titleOfClass>
    <cusip>46641Q399</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>30874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30874</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <titleOfClass>MUNICIPAL ETF</titleOfClass>
    <cusip>46641Q647</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>693951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>693951</Sole>
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      <None>0</None>
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    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>ULTRA SHT MUNCPL</titleOfClass>
    <cusip>46641Q654</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>27978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27978</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>USD EMRNG MKT</titleOfClass>
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    <titleOfClass>COM</titleOfClass>
    <cusip>502431109</cusip>
    <value>290724</value>
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      <sshPrnamt>1159</sshPrnamt>
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      <Sole>1159</Sole>
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      <None>0</None>
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    <nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>512807306</cusip>
    <value>1715228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17621</sshPrnamt>
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      <Sole>17621</Sole>
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      <None>0</None>
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    <nameOfIssuer>LATTICE STRATEGIES TR</nameOfIssuer>
    <titleOfClass>HARTFORD MLT ETF</titleOfClass>
    <cusip>518416102</cusip>
    <value>1698794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49818</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>49818</Sole>
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      <None>0</None>
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    <nameOfIssuer>LEGG MASON ETF INVT</nameOfIssuer>
    <titleOfClass>FRANKLIN INTL LW</titleOfClass>
    <cusip>52468L505</cusip>
    <value>14620158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>449160</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>449160</Sole>
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      <None>0</None>
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    <nameOfIssuer>LEIDOS HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>525327102</cusip>
    <value>752831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4772</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>4772</Sole>
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      <None>0</None>
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    <nameOfIssuer>LEMAITRE VASCULAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>525558201</cusip>
    <value>942950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11354</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>11354</Sole>
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      <None>0</None>
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    <nameOfIssuer>LENNOX INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>526107107</cusip>
    <value>312416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>545</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>545</Sole>
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      <None>0</None>
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    <nameOfIssuer>LEONARDO DRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>52661A108</cusip>
    <value>1892991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40727</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>40727</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>LIGAND PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>53220K504</cusip>
    <value>796556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7007</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7007</Sole>
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      <None>0</None>
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    <nameOfIssuer>LIGHTWAVE LOGIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532275104</cusip>
    <value>12555</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>23429554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30056</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>30056</Sole>
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      <None>0</None>
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    <nameOfIssuer>LIMBACH HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>53263P105</cusip>
    <value>714510</value>
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      <sshPrnamt>5100</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>5100</Sole>
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      <None>0</None>
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    <nameOfIssuer>LISTED FDS TR</nameOfIssuer>
    <titleOfClass>SHARES LAG CAP</titleOfClass>
    <cusip>53656F805</cusip>
    <value>1683507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34848</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>34848</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>1102273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42840</sshPrnamt>
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    <otherManager>5</otherManager>
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      <Sole>42840</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LITMAN GREGORY FDS TR</nameOfIssuer>
    <titleOfClass>IMGP DBI MANAGED</titleOfClass>
    <cusip>53700T827</cusip>
    <value>987363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38374</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>38374</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LITMAN GREGORY FDS TR</nameOfIssuer>
    <titleOfClass>IMGP DBI MANAGED</titleOfClass>
    <cusip>53700T827</cusip>
    <value>2325992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90400</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
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      <Sole>90400</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>539830109</cusip>
    <value>12581198</value>
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      <sshPrnamt>27165</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27165</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>548661107</cusip>
    <value>3084659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13903</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>13903</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LUCID GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>549498103</cusip>
    <value>60259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28559</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>28559</Sole>
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      <None>0</None>
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    <nameOfIssuer>LULULEMON ATHLETICA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>550021109</cusip>
    <value>1202155</value>
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      <sshPrnamt>5060</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>5060</Sole>
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      <None>0</None>
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    <nameOfIssuer>LYFT INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>55087P104</cusip>
    <value>213201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13528</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>13528</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MFS MULTIMARKET INCOME TR</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>552737108</cusip>
    <value>115385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>24550</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MFS MUN INCOME TR</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>552738106</cusip>
    <value>205580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39764</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>39764</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MFS INTER INCOME TR</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>55273C107</cusip>
    <value>1374043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>507027</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>507027</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MP MATERIALS CORP</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>553368101</cusip>
    <value>200851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6037</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>6037</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MPLX LP</nameOfIssuer>
    <titleOfClass>COM UNIT REP LTD</titleOfClass>
    <cusip>55336V100</cusip>
    <value>301488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5853</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>5853</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MSCI INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>55354G100</cusip>
    <value>1234224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2140</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>2140</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>209962</value>
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      <sshPrnamt>5253</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>5253</Sole>
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    <nameOfIssuer>SPHERE ENTERTAINMENT CO</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>55826T102</cusip>
    <value>512677</value>
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      <sshPrnamt>12265</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>12265</Sole>
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      <None>0</None>
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    <nameOfIssuer>MAIN STR CAP CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56035L104</cusip>
    <value>583790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9878</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>9878</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NYLI MACKAY DEFINEDTERM MUNI</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56064K100</cusip>
    <value>352017</value>
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      <sshPrnamt>23801</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>23801</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MANAGED PORTFOLIO SERIES</nameOfIssuer>
    <titleOfClass>KENSINGTON HEDGE</titleOfClass>
    <cusip>56167N183</cusip>
    <value>894684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35391</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>35391</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MANAGED PORTFOLIO SERIES</nameOfIssuer>
    <titleOfClass>TORTOISE GLOBAL</titleOfClass>
    <cusip>56167N753</cusip>
    <value>792400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14976</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>14976</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MANULIFE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56501R106</cusip>
    <value>387739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>12132</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56585A102</cusip>
    <value>1461270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8797</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MARKEL GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>570535104</cusip>
    <value>347541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>174</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>571748102</cusip>
    <value>764147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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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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    <nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
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      <sshPrnamt>2362</sshPrnamt>
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      <Sole>2362</Sole>
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      <None>0</None>
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    <nameOfIssuer>MEDICAL PPTYS TRUST INC</nameOfIssuer>
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      <Sole>63463</Sole>
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      <None>0</None>
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    <nameOfIssuer>MERCADOLIBRE INC</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <Sole>84764</Sole>
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    <nameOfIssuer>METLIFE INC</nameOfIssuer>
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    <cusip>59156R108</cusip>
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      <Sole>22910</Sole>
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    <nameOfIssuer>MFS HIGH YIELD MUN TR</nameOfIssuer>
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    <cusip>59318E102</cusip>
    <value>106374</value>
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      <Sole>31944</Sole>
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      <None>0</None>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
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      <Sole>236879</Sole>
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    <nameOfIssuer>MICROSTRATEGY INC</nameOfIssuer>
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      <Sole>11186</Sole>
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    <nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>595112103</cusip>
    <value>4416787</value>
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      <sshPrnamt>35836</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>MOELIS &amp; CO</nameOfIssuer>
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    <cusip>60786M105</cusip>
    <value>254266</value>
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      <sshPrnamt>4080</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
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    <cusip>609207105</cusip>
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      <Sole>15327</Sole>
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    <nameOfIssuer>MONOLITHIC PWR SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>609839105</cusip>
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      <Sole>685</Sole>
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      <None>0</None>
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    <nameOfIssuer>MONROE CAP CORP</nameOfIssuer>
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    <nameOfIssuer>MONSTER BEVERAGE CORP NEW</nameOfIssuer>
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    <nameOfIssuer>MOODYS CORP</nameOfIssuer>
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    <cusip>615369105</cusip>
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    <cusip>617446448</cusip>
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    <cusip>61774R841</cusip>
    <value>1599959</value>
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    <nameOfIssuer>MOTOROLA SOLUTIONS INC</nameOfIssuer>
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    <nameOfIssuer>NIO INC</nameOfIssuer>
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    <cusip>62914V106</cusip>
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    <value>1021449</value>
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    <nameOfIssuer>NATIONAL GRID PLC</nameOfIssuer>
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    <cusip>636274409</cusip>
    <value>383212</value>
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      <Sole>5150</Sole>
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    <titleOfClass>COM</titleOfClass>
    <cusip>64110L106</cusip>
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    <titleOfClass>COM</titleOfClass>
    <cusip>64128C106</cusip>
    <value>348680</value>
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    <titleOfClass>OPT STRATEGY ETF</titleOfClass>
    <cusip>64135A705</cusip>
    <value>395313</value>
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    <nameOfIssuer>RITHM CAPITAL CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>64828T201</cusip>
    <value>189751</value>
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      <Sole>16807</Sole>
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    <titleOfClass>COM NEW</titleOfClass>
    <cusip>649445400</cusip>
    <value>2097189</value>
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      <Sole>197848</Sole>
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    <nameOfIssuer>NEW YORK MTG TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>649604840</cusip>
    <value>71911</value>
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      <sshPrnamt>10733</sshPrnamt>
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    <nameOfIssuer>NEWMONT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>651639106</cusip>
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      <Sole>6934</Sole>
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    <titleOfClass>CLASS A COM</titleOfClass>
    <cusip>65290E101</cusip>
    <value>261302</value>
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      <sshPrnamt>4806</sshPrnamt>
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      <Sole>4806</Sole>
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    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>4274814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>61579</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEXTNAV INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>65345N106</cusip>
    <value>239400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>654106103</cusip>
    <value>1581706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>431565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1686</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>666807102</cusip>
    <value>2081917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>66987V109</cusip>
    <value>437693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3617</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NOVO-NORDISK A S</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>670100205</cusip>
    <value>3432365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>49730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670346105</cusip>
    <value>681899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5264</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN MUN CR OPPORTUNITIES</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670663103</cusip>
    <value>202797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>158324939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1002120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1002120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN NEW YORK QLT MUN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066X107</cusip>
    <value>208529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18276</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN NASDAQ 100 DYNAMIC OV</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>670699107</cusip>
    <value>204825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7738</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>1537289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>135444</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN MUNICIPAL CREDIT INC</nameOfIssuer>
    <titleOfClass>COM SH BEN INT</titleOfClass>
    <cusip>67070X101</cusip>
    <value>138344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11606</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>298775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25044</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670928100</cusip>
    <value>122616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG LRGCP</titleOfClass>
    <cusip>67092P201</cusip>
    <value>1274620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13567</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG LRGVL</titleOfClass>
    <cusip>67092P300</cusip>
    <value>1497330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35723</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG MIDVL</titleOfClass>
    <cusip>67092P508</cusip>
    <value>276143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
    <cusip>67092P607</cusip>
    <value>1481021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36353</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG INTL</titleOfClass>
    <cusip>67092P805</cusip>
    <value>408029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11497</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG EMRGN</titleOfClass>
    <cusip>67092P888</cusip>
    <value>431265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12986</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN PENNSYLVANIA QLT MUN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670972108</cusip>
    <value>121961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67103H107</cusip>
    <value>2929405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>32502</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OSI SYSTEMS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>671044105</cusip>
    <value>787685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3503</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>674599105</cusip>
    <value>1300210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>679580100</cusip>
    <value>320056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1972</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>681116109</cusip>
    <value>2067760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15691</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>681936100</cusip>
    <value>384935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10503</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ON SEMICONDUCTOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>682189105</cusip>
    <value>211736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>682680103</cusip>
    <value>3127245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>38310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPKO HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68375N103</cusip>
    <value>38189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28931</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPORTUN FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68376D104</cusip>
    <value>143200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>9529207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43586</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORMAT TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>686688102</cusip>
    <value>926469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11061</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>247253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2497</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PGIM ETF TR</nameOfIssuer>
    <titleOfClass>PGIM ULTRA SH BD</titleOfClass>
    <cusip>69344A107</cusip>
    <value>12049882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>242160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PGIM ETF TR</nameOfIssuer>
    <titleOfClass>AAA CLO ETF</titleOfClass>
    <cusip>69344A834</cusip>
    <value>1954277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>37984</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>2695633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14460</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693506107</cusip>
    <value>365706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69351T106</cusip>
    <value>4126446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>121760</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>1173774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>TRENDPILOT 100</titleOfClass>
    <cusip>69374H303</cusip>
    <value>3848056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>53917</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>PAC ASSET FLTG</titleOfClass>
    <cusip>69374H428</cusip>
    <value>2120818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>44555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>METAURUS CAP 400</titleOfClass>
    <cusip>69374H436</cusip>
    <value>791410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20056</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>GLOBL CASH ETF</titleOfClass>
    <cusip>69374H709</cusip>
    <value>2903072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>76457</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>LUNT LRGCP MULTI</titleOfClass>
    <cusip>69374H816</cusip>
    <value>5387366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>109054</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>US SMALL CAP CAS</titleOfClass>
    <cusip>69374H857</cusip>
    <value>5758842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>144640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>EMRG MKT CASH</titleOfClass>
    <cusip>69374H865</cusip>
    <value>1592675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>72132</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>DEVELOPED MRKT</titleOfClass>
    <cusip>69374H873</cusip>
    <value>2406670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>70722</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>39386251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>714814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>714814</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACIFIC BIOSCIENCES CALIF IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69404D108</cusip>
    <value>27125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>695156109</cusip>
    <value>228778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>69608A108</cusip>
    <value>20359665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>149352</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>697435105</cusip>
    <value>9232334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>45115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>701094104</cusip>
    <value>1674931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2398</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARSONS CORP DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>70202L102</cusip>
    <value>263827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3676</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>704326107</cusip>
    <value>904907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6221</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>1178567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15858</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENSKE AUTOMOTIVE GRP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>70959W103</cusip>
    <value>272147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1584</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENUMBRA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>70975L107</cusip>
    <value>318221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>5130150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>38853</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>4393015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>181230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>8378344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>46002</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718546104</cusip>
    <value>1601960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO STRATEGIC INCOME FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>72200X104</cusip>
    <value>152480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21908</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO CORPORATE &amp; INCOME OPP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>72201B101</cusip>
    <value>3330054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>239400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>239400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO INCOME STRATEGY FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>72201H108</cusip>
    <value>156367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18749</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO INCOME STRATEGY FD II</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>72201J104</cusip>
    <value>98132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13279</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>MULTISECTOR BD</titleOfClass>
    <cusip>72201R585</cusip>
    <value>3659521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>137887</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVE BD ETF</titleOfClass>
    <cusip>72201R775</cusip>
    <value>1296696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>14067</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVE BD ETF</titleOfClass>
    <cusip>72201R775</cusip>
    <value>875710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9500</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>2110751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21691</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>5978716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>59469</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>4020050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>78272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>SHTRM MUN BD ACT</titleOfClass>
    <cusip>72201R874</cusip>
    <value>825698</value>
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      <sshPrnamt>16458</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16458</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIMCO DYNAMIC INCOME FD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>72201Y101</cusip>
    <value>2557782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134833</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>134833</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PDD HOLDINGS INC</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>722304102</cusip>
    <value>389859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3725</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>3725</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>723484101</cusip>
    <value>378369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4229</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>4229</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>321571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17553</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>17553</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PRESTIGE CONSMR HEALTHCARE I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74112D101</cusip>
    <value>876274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10974</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10974</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>646401</value>
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      <sshPrnamt>8138</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>8138</Sole>
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      <None>0</None>
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    <nameOfIssuer>PRINCIPAL EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>ACTIVE HIGH YL</titleOfClass>
    <cusip>74255Y102</cusip>
    <value>340738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17591</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>17591</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>9224309</value>
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      <sshPrnamt>57898</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>57898</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>743315103</cusip>
    <value>1924861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7213</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7213</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74340W103</cusip>
    <value>978036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9304</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9304</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>SP500 EX ENRGY</titleOfClass>
    <cusip>74347B581</cusip>
    <value>1165715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>17428</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>486030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5961</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5961</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>1252145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19246</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>MSCI TRANFRMTNAL</titleOfClass>
    <cusip>74347G796</cusip>
    <value>869275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17321</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>LARGE CAP CRE</titleOfClass>
    <cusip>74347R248</cusip>
    <value>243823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3460</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 DV ARIST</titleOfClass>
    <cusip>74348A467</cusip>
    <value>15518474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>154106</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>HGH YLD INT RATE</titleOfClass>
    <cusip>74348A541</cusip>
    <value>3058787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>47203</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>4741005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>44127</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744573106</cusip>
    <value>4191827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>49796</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE OPER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74460D109</cusip>
    <value>497934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1697</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>745867101</cusip>
    <value>329668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>2628746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16506</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74762E102</cusip>
    <value>2917643</value>
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      <sshPrnamt>7717</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7717</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RBB FD INC</nameOfIssuer>
    <titleOfClass>US TREAS 3 MNTH</titleOfClass>
    <cusip>74933W452</cusip>
    <value>12751775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>255061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>255061</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>2876303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>57354</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RBB FD INC</nameOfIssuer>
    <titleOfClass>US TREASRY 12 MT</titleOfClass>
    <cusip>74933W478</cusip>
    <value>4500032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89651</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>89651</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RBB FD INC</nameOfIssuer>
    <titleOfClass>US TREASY 2 YR</titleOfClass>
    <cusip>74933W486</cusip>
    <value>253767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5228</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5228</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RBB FD INC</nameOfIssuer>
    <titleOfClass>US TREASR 10 YR</titleOfClass>
    <cusip>74933W536</cusip>
    <value>27989279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>637569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>637569</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RBB FD INC</nameOfIssuer>
    <titleOfClass>MOTLEY FOL ETF</titleOfClass>
    <cusip>74933W601</cusip>
    <value>979713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15187</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>11240182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>76977</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>READY CAPITAL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75574U101</cusip>
    <value>67565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15461</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>756109104</cusip>
    <value>2093029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36331</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REAVES UTIL INCOME FD</nameOfIssuer>
    <titleOfClass>COM SH BEN INT</titleOfClass>
    <cusip>756158101</cusip>
    <value>423704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11711</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RECURSION PHARMACEUTICALS IN</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>75629V104</cusip>
    <value>186208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RED CAT HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75644T100</cusip>
    <value>188188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REDDIT INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>75734B100</cusip>
    <value>2026672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13460</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75886F107</cusip>
    <value>462525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>881</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>760759100</cusip>
    <value>481876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1954</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RIGETTI COMPUTING INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>76655K103</cusip>
    <value>367885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31019</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>767204100</cusip>
    <value>719501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>76954A103</cusip>
    <value>190931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13896</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROBINHOOD MKTS INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>770700102</cusip>
    <value>715989</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7647</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROBLOX CORP</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>771049103</cusip>
    <value>317704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3020</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROCKET COS INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>77311W101</cusip>
    <value>357010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25177</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>773903109</cusip>
    <value>927751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2793</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROKU INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>77543R102</cusip>
    <value>288631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3284</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>776696106</cusip>
    <value>881436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1555</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>418207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3278</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROYAL BK CDA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>780087102</cusip>
    <value>251261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1910</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>512022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RYAN SPECIALTY HOLDINGS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>78351F107</cusip>
    <value>645633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9496</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RYDER SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>783549108</cusip>
    <value>239454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1506</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>1901935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3607</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEOS ETF TRUST</nameOfIssuer>
    <titleOfClass>NEOS S&amp;P 500 HI</titleOfClass>
    <cusip>78433H303</cusip>
    <value>474417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEOS ETF TRUST</nameOfIssuer>
    <titleOfClass>NEOS ENH INC 1-3</titleOfClass>
    <cusip>78433H501</cusip>
    <value>512567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10307</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEOS ETF TRUST</nameOfIssuer>
    <titleOfClass>NASDAQ 100 HIGH</titleOfClass>
    <cusip>78433H675</cusip>
    <value>533415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10256</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>165143891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>267288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>267288</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>47269683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>155069</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFLO EURP ETF</titleOfClass>
    <cusip>78463X103</cusip>
    <value>4915056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>101425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>EURO STOXX 50</titleOfClass>
    <cusip>78463X202</cusip>
    <value>4685520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>78445</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>2607458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>20629</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>11249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>89</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>MSCI EMRG MKTS</titleOfClass>
    <cusip>78463X426</cusip>
    <value>454971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7218</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>11157693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>130744</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO EMG MK</titleOfClass>
    <cusip>78463X509</cusip>
    <value>42113859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>985350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>985350</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>3052459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>80075</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>2353728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>37945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>S&amp;P EMKTSC ETF</titleOfClass>
    <cusip>78463X756</cusip>
    <value>286082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4612</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>S&amp;P INTL ETF</titleOfClass>
    <cusip>78463X772</cusip>
    <value>1612912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>38266</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>815879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24981</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>7667854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>206236</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
    <cusip>78463X889</cusip>
    <value>13014377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>321422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>321422</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
    <cusip>78463X889</cusip>
    <value>79826440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1971510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1971510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>NYSE TECH ETF</titleOfClass>
    <cusip>78464A102</cusip>
    <value>220196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>928</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>SPDR S&amp;P1500VL</titleOfClass>
    <cusip>78464A128</cusip>
    <value>1306236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6798</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP GRW</titleOfClass>
    <cusip>78464A201</cusip>
    <value>27331273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>307958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>307958</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>NUVEEN ICE HIGH</titleOfClass>
    <cusip>78464A284</cusip>
    <value>1457213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>58806</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ICE PFD SEC ETF</titleOfClass>
    <cusip>78464A292</cusip>
    <value>263005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8281</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
    <cusip>78464A300</cusip>
    <value>26097871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>327205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>327205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BBG CONV SEC ETF</titleOfClass>
    <cusip>78464A359</cusip>
    <value>2146515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25968</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
    <cusip>78464A375</cusip>
    <value>4696600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>139863</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORT MTG BK ETF</titleOfClass>
    <cusip>78464A383</cusip>
    <value>8620149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>390052</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>390052</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BLOOMBERG EMERGI</titleOfClass>
    <cusip>78464A391</cusip>
    <value>898115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>41968</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
    <cusip>78464A409</cusip>
    <value>159136740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1669500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>1669500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
    <cusip>78464A409</cusip>
    <value>351088343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3683260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3683260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT</titleOfClass>
    <cusip>78464A474</cusip>
    <value>8890925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>294499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>294499</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
    <cusip>78464A508</cusip>
    <value>74809562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1429300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>1429300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
    <cusip>78464A508</cusip>
    <value>180571430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3449970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3449970</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>DJ REIT ETF</titleOfClass>
    <cusip>78464A607</cusip>
    <value>240136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>AEROSPACE DEF</titleOfClass>
    <cusip>78464A631</cusip>
    <value>3149545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14931</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFOLIO AGRGTE</titleOfClass>
    <cusip>78464A649</cusip>
    <value>59067136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2307310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2307310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
    <cusip>78464A664</cusip>
    <value>3377600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>127073</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFLI INTRMDIT</titleOfClass>
    <cusip>78464A672</cusip>
    <value>35997599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1251220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1251220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P REGL BKG</titleOfClass>
    <cusip>78464A698</cusip>
    <value>353252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5948</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>GLB DOW ETF</titleOfClass>
    <cusip>78464A706</cusip>
    <value>1202385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7982</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P METALS MNG</titleOfClass>
    <cusip>78464A755</cusip>
    <value>407219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6058</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>15851092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>116784</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P CAP MKTS</titleOfClass>
    <cusip>78464A771</cusip>
    <value>202902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P BK ETF</titleOfClass>
    <cusip>78464A797</cusip>
    <value>715066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12824</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFOLI S&amp;P1500</titleOfClass>
    <cusip>78464A805</cusip>
    <value>27436176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>366353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>366353</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P 400 MDCP GRW</titleOfClass>
    <cusip>78464A821</cusip>
    <value>3609188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>41547</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
    <cusip>78464A839</cusip>
    <value>24670005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>310588</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
    <cusip>78464A839</cusip>
    <value>987156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P400</titleOfClass>
    <cusip>78464A847</cusip>
    <value>28028703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>515423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>515423</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>
    <cusip>78464A854</cusip>
    <value>34474250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>474264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>474264</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH</titleOfClass>
    <cusip>78464A870</cusip>
    <value>1882428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22699</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>BLACKSTONE SENR</titleOfClass>
    <cusip>78467V608</cusip>
    <value>5436603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>130719</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>922372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22685</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>1743622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>43471</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>11178409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25368</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>4037303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7127</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFOLIO SH TSR</titleOfClass>
    <cusip>78468R101</cusip>
    <value>8500485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>290218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BLOOMBERG INVT</titleOfClass>
    <cusip>78468R200</cusip>
    <value>1414696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>45887</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
    <cusip>78468R408</cusip>
    <value>8756559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>343664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>343664</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BLOOMBERG 3-12 M</titleOfClass>
    <cusip>78468R523</cusip>
    <value>10720841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>107823</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ESG ETF</titleOfClass>
    <cusip>78468R531</cusip>
    <value>2143516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P OILGAS EXP</titleOfClass>
    <cusip>78468R556</cusip>
    <value>239397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1903</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1903</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
    <cusip>78468R606</cusip>
    <value>6236314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>262030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>262030</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
    <cusip>78468R606</cusip>
    <value>1213253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>50977</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>3174309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>32634</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>11667245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>119947</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
    <cusip>78468R663</cusip>
    <value>32809895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>357679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>357679</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>NUVEEN ICE SHORT</titleOfClass>
    <cusip>78468R739</cusip>
    <value>1581068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33056</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>RUSSELL LOW VOL</titleOfClass>
    <cusip>78468R754</cusip>
    <value>4692778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>RUSSELL MOMENTUM</titleOfClass>
    <cusip>78468R762</cusip>
    <value>786257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6369</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>RUSSELL YIELD</titleOfClass>
    <cusip>78468R770</cusip>
    <value>3460111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>
    <cusip>78468R788</cusip>
    <value>1669632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>39341</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>SPDR S&amp;P 500 ETF</titleOfClass>
    <cusip>78468R796</cusip>
    <value>213193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
    <cusip>78468R853</cusip>
    <value>36694405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>861371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>861371</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BLOOMBERG 1 10 Y</titleOfClass>
    <cusip>78468R861</cusip>
    <value>1426409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>74525</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>910731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE TR</nameOfIssuer>
    <titleOfClass>SPDR SSGA MY2029</titleOfClass>
    <cusip>78470P788</cusip>
    <value>2223266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89091</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>89091</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE TR</nameOfIssuer>
    <titleOfClass>SPDR BLACKSTONE</titleOfClass>
    <cusip>78470P846</cusip>
    <value>4137888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>144732</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>8452845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30998</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>80105N105</cusip>
    <value>1156686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23943</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP SE</nameOfIssuer>
    <titleOfClass>SPON ADR</titleOfClass>
    <cusip>803054204</cusip>
    <value>520923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1713</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>389038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>7077396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>77569</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>5480280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>229974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>229974</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>11580014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>473814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>473814</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>17579571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>601834</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>601834</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>1350351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>48802</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>2524724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>90008</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>2160696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>85403</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
    <cusip>808524706</cusip>
    <value>258451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>1000 INDEX ETF</titleOfClass>
    <cusip>808524722</cusip>
    <value>624192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20932</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>FUNDAMENTAL INTL</titleOfClass>
    <cusip>808524755</cusip>
    <value>7155536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>178799</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>FUNDAMENTAL US L</titleOfClass>
    <cusip>808524771</cusip>
    <value>4285273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174624</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>174624</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>FUNDAMENTAL US B</titleOfClass>
    <cusip>808524789</cusip>
    <value>234716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9788</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>50391340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1901560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1901560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL EQTY ETF</titleOfClass>
    <cusip>808524805</cusip>
    <value>754649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>34147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>SHT TM US TRES</titleOfClass>
    <cusip>808524862</cusip>
    <value>687175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US TIPS ETF</titleOfClass>
    <cusip>808524870</cusip>
    <value>458949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17202</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL SCEQT ETF</titleOfClass>
    <cusip>808524888</cusip>
    <value>624795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD</nameOfIssuer>
    <titleOfClass>SPONSORD ADS</titleOfClass>
    <cusip>81141R100</cusip>
    <value>237671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1486</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>3131129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>35658</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>22622345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167834</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>167834</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>15489885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>191304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>191304</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>8541721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>39303</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>13633801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>160757</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>30410892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>580693</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>INDL</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>16199909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>109815</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>194480640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>768000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>768000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>44365136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>175197</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>COMMUNICATION</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>10587102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>97550</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>7165784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>173003</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>19245139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>235674</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>37361</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>SEMPRA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>816851109</cusip>
    <value>272166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3592</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERA PROGNOSTICS INC</nameOfIssuer>
    <titleOfClass>CLASS A COM</titleOfClass>
    <cusip>81749D107</cusip>
    <value>27700</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>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>7526574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7321</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVISFIRST BANCSHARES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81768T108</cusip>
    <value>664493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8573</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHAKE SHACK INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>819047101</cusip>
    <value>379339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2698</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>758826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
    <titleOfClass>CL A SUB VTG SHS</titleOfClass>
    <cusip>82509L107</cusip>
    <value>9921484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>86012</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIBANYE STILLWATER LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>82575P107</cusip>
    <value>78272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10841</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>828806109</cusip>
    <value>2697874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16782</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMPLIFY EXCHANGE TRADED FUN</nameOfIssuer>
    <titleOfClass>HEDGED EQUITY</titleOfClass>
    <cusip>82889N764</cusip>
    <value>2082555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>69303</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHAMPION HOMES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>830830105</cusip>
    <value>956556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15278</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>83304A106</cusip>
    <value>1276135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>146851</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNDL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83307B101</cusip>
    <value>27636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>833445109</cusip>
    <value>6844005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30585</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOFI TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83406F102</cusip>
    <value>566149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>31090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUNDHOUND AI INC</nameOfIssuer>
    <titleOfClass>CLASS A COM</titleOfClass>
    <cusip>836100107</cusip>
    <value>497625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
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    <titleOfClass>UNIT</titleOfClass>
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    <nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer>
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    <nameOfIssuer>STERLING INFRASTRUCTURE INC</nameOfIssuer>
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    <nameOfIssuer>STRIDE INC</nameOfIssuer>
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    <cusip>86333M108</cusip>
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    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
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      <sshPrnamt>6617</sshPrnamt>
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    <nameOfIssuer>SUPER MICRO COMPUTER INC</nameOfIssuer>
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    <nameOfIssuer>SYNOVUS FINL CORP</nameOfIssuer>
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      <Sole>4926</Sole>
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    <nameOfIssuer>SYNCHRONY FINANCIAL</nameOfIssuer>
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    <cusip>87165B103</cusip>
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    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
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    <nameOfIssuer>T ROWE PRICE ETF INC</nameOfIssuer>
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    <nameOfIssuer>TAPESTRY INC</nameOfIssuer>
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    <nameOfIssuer>TC ENERGY CORP</nameOfIssuer>
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    <cusip>87807B107</cusip>
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    <nameOfIssuer>TELADOC HEALTH INC</nameOfIssuer>
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    <nameOfIssuer>TERADYNE INC</nameOfIssuer>
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    <cusip>880770102</cusip>
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    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>882508104</cusip>
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    <nameOfIssuer>TEXTRON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883203101</cusip>
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      <sshPrnamt>2824</sshPrnamt>
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    <nameOfIssuer>THE BEAUTY HEALTH COMPANY</nameOfIssuer>
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    <cusip>88331L108</cusip>
    <value>21392</value>
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    <nameOfIssuer>THE TRADE DESK INC</nameOfIssuer>
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    <cusip>88339J105</cusip>
    <value>2146742</value>
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      <Sole>29820</Sole>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>1743478</value>
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      <sshPrnamt>4300</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4300</Sole>
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    <nameOfIssuer>3M CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <cusip>88636J600</cusip>
    <value>277168</value>
    <shrsOrPrnAmt>
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    <otherManager>10</otherManager>
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      <None>0</None>
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    <nameOfIssuer>TILRAY BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88688T100</cusip>
    <value>16527</value>
    <shrsOrPrnAmt>
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    <otherManager>10</otherManager>
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      <None>0</None>
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    <nameOfIssuer>TOLL BROTHERS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>889478103</cusip>
    <value>604661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5298</sshPrnamt>
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      <Sole>5298</Sole>
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      <None>0</None>
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    <nameOfIssuer>TONIX PHARMACEUTICALS HLDG C</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>890260839</cusip>
    <value>378690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10525</sshPrnamt>
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    <nameOfIssuer>TORONTO DOMINION BK ONT</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>891160509</cusip>
    <value>2020683</value>
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    <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
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    <cusip>89151E109</cusip>
    <value>389888</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6351</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>892356106</cusip>
    <value>351659</value>
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      <sshPrnamt>6664</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>6664</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRANSDIGM GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>893641100</cusip>
    <value>348227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>229</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>229</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>1146676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4286</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>4286</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>754217</value>
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      <sshPrnamt>17544</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>17544</Sole>
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      <None>0</None>
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    <nameOfIssuer>TWILIO INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>90138F102</cusip>
    <value>232056</value>
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      <sshPrnamt>1866</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1866</Sole>
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      <None>0</None>
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    <nameOfIssuer>TYLER TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>902252105</cusip>
    <value>400167</value>
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      <sshPrnamt>675</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>UMB FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>902788108</cusip>
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      <sshPrnamt>2134</sshPrnamt>
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      <Sole>2134</Sole>
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      <None>0</None>
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    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>902973304</cusip>
    <value>1403157</value>
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      <sshPrnamt>31009</sshPrnamt>
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      <Sole>31009</Sole>
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      <None>0</None>
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    <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>90353T100</cusip>
    <value>8734466</value>
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      <sshPrnamt>93617</sshPrnamt>
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      <Sole>93617</Sole>
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      <None>0</None>
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    <nameOfIssuer>UIPATH INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>90364P105</cusip>
    <value>655526</value>
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      <sshPrnamt>51213</sshPrnamt>
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      <Sole>51213</Sole>
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      <None>0</None>
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    <nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>666176</value>
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      <sshPrnamt>1424</sshPrnamt>
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      <Sole>1424</Sole>
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    <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
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      <Sole>7700</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>10317</sshPrnamt>
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      <Sole>10317</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITED AIRLS HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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    <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
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    <cusip>911363109</cusip>
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      <sshPrnamt>5247</sshPrnamt>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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    <nameOfIssuer>VALE S A</nameOfIssuer>
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    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <Sole>10291</Sole>
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    <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
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    <cusip>919794107</cusip>
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      <Sole>24442</Sole>
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      <Sole>74503</Sole>
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    <cusip>92189F387</cusip>
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    <cusip>92189F429</cusip>
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    <cusip>92189F486</cusip>
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    <shrsOrPrnAmt>
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      <Sole>90931</Sole>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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    <cusip>92189F528</cusip>
    <value>373230</value>
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      <Sole>21624</Sole>
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    <cusip>92189F601</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9704</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>MRNGSTR WDE MOAT</titleOfClass>
    <cusip>92189F643</cusip>
    <value>9654743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>102940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>SEMICONDUCTR ETF</titleOfClass>
    <cusip>92189F676</cusip>
    <value>13765796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>49361</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>RETAIL ETF</titleOfClass>
    <cusip>92189F684</cusip>
    <value>5715430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23948</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>PHARMACEUTCL ETF</titleOfClass>
    <cusip>92189F692</cusip>
    <value>1252638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14241</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>AGRIBUSINESS ETF</titleOfClass>
    <cusip>92189F700</cusip>
    <value>661991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8992</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>VANECK VIETNAM</titleOfClass>
    <cusip>92189F817</cusip>
    <value>223396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16247</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>HIGH YLD MUNIETF</titleOfClass>
    <cusip>92189H409</cusip>
    <value>841469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16759</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>MORNINGSTAR SMID</titleOfClass>
    <cusip>92189H730</cusip>
    <value>764278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>21962</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>DIGI TRANSFRM</titleOfClass>
    <cusip>92189H821</cusip>
    <value>207554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12541</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>54354007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>265569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>265569</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>44357922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>642031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>642031</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>285973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4366</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>605103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5519</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5519</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA GRWTH IND</titleOfClass>
    <cusip>921910816</cusip>
    <value>2140630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5846</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>3651558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>27832</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA CAP INDEX</titleOfClass>
    <cusip>921910873</cusip>
    <value>399908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1778</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>36579625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>92247</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>1979002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10487</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>SMLCP 600 VAL</titleOfClass>
    <cusip>921932778</cusip>
    <value>356399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4165</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>2072785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18114</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>490358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4844</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>899380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7957</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>288170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WELLINGTON FD</nameOfIssuer>
    <titleOfClass>US MINIMUM</titleOfClass>
    <cusip>921935409</cusip>
    <value>4343791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WELLINGTON FD</nameOfIssuer>
    <titleOfClass>US VALUE FACTR</titleOfClass>
    <cusip>921935805</cusip>
    <value>15131753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>127910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>1715633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22183</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>1007754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12805</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>7271036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>98751</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>42777263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>580976</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>8785241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>154100</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>12358115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>216771</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>78707157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>590407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>590407</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>INTL HIGH ETF</titleOfClass>
    <cusip>921946794</cusip>
    <value>38368284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>478945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>478945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>INTL DVD ETF</titleOfClass>
    <cusip>921946810</cusip>
    <value>5652597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>62723</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>1365333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>27160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>11114395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>221094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>221094</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>2890022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>57490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>VANGUARD ULTRA</titleOfClass>
    <cusip>92203C303</cusip>
    <value>596286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>11958</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>2352121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>47508</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>5383398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>116650</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>11538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>250</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>1498491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>11</otherManager>
    <votingAuthority>
      <Sole>32470</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>292567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2177</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>1089978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8481</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>8584061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>127701</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>13762196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>278249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>278249</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>31161086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>630026</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>630026</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>4511682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>54900</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>16189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>197</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>21692250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>279900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>279900</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>1858450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>23980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF</titleOfClass>
    <cusip>92204A108</cusip>
    <value>632248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>CONSUM STP ETF</titleOfClass>
    <cusip>92204A207</cusip>
    <value>3298797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15063</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>ENERGY ETF</titleOfClass>
    <cusip>92204A306</cusip>
    <value>707335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5938</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>FINANCIALS ETF</titleOfClass>
    <cusip>92204A405</cusip>
    <value>3572293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28062</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>4709023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>18962</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF</titleOfClass>
    <cusip>92204A603</cusip>
    <value>1264516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>195733928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>295100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>14878697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>22432</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MATERIALS ETF</titleOfClass>
    <cusip>92204A801</cusip>
    <value>398038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2043</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>UTILITIES ETF</titleOfClass>
    <cusip>92204A876</cusip>
    <value>1269283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7191</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>COMM SRVC ETF</titleOfClass>
    <cusip>92204A884</cusip>
    <value>473240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2767</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>92206C102</cusip>
    <value>1026828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>17469</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>2914550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>36661</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000GRW</titleOfClass>
    <cusip>92206C623</cusip>
    <value>1666509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>7994</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000VAL</titleOfClass>
    <cusip>92206C649</cusip>
    <value>2878468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>20695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX</titleOfClass>
    <cusip>92206C664</cusip>
    <value>434792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4985</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW</titleOfClass>
    <cusip>92206C680</cusip>
    <value>315347760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2887800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>2887800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW</titleOfClass>
    <cusip>92206C680</cusip>
    <value>11990706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>109805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INTER TERM TREAS</titleOfClass>
    <cusip>92206C706</cusip>
    <value>1710985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28607</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL</titleOfClass>
    <cusip>92206C714</cusip>
    <value>65756557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>771700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>771700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL</titleOfClass>
    <cusip>92206C714</cusip>
    <value>5916386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>69433</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>485597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>LONG TERM TREAS</titleOfClass>
    <cusip>92206C847</cusip>
    <value>1352099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>24093</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>79661742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>960706</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>5317825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>64132</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
    <titleOfClass>INTERMEDIATE TRM</titleOfClass>
    <cusip>922907738</cusip>
    <value>11818822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>119915</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>11882666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>242355</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>38495393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>67770</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>112358606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197804</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>197804</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>24652554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>149900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>22577398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>137282</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>3441119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>12100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>47916302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>168488</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>2301043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25837</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>2906208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10494</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>36681771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>188102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>89961148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>321485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>321485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>42035246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>147337</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>51551998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>180694</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>EXTEND MKT ETF</titleOfClass>
    <cusip>922908652</cusip>
    <value>1864084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9673</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>198933645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>453772</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>453772</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>173643664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>396085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>396085</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>64439581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>364601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>5</otherManager>
    <votingAuthority>
      <Sole>364601</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>134538553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>761223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>761223</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>83670292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>353069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>353069</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>109535764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>360398</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERALTO CORP</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>92338C103</cusip>
    <value>216134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2141</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>6343598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>146605</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92345Y106</cusip>
    <value>285023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92532F100</cusip>
    <value>995912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2237</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92537N108</cusip>
    <value>789978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIASAT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92552V100</cusip>
    <value>365511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25035</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIATRIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92556V106</cusip>
    <value>355539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>39814</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>925652109</cusip>
    <value>321892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>9874</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>CORE INTERMEDIAT</titleOfClass>
    <cusip>92647N527</cusip>
    <value>480585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>SHORT TRM BD ETF</titleOfClass>
    <cusip>92647N535</cusip>
    <value>1549553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30491</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>USAA MSCI USA SM</titleOfClass>
    <cusip>92647N568</cusip>
    <value>351583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4190</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>532870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8364</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VICTORYSHARES SM</titleOfClass>
    <cusip>92647X822</cusip>
    <value>1668031</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>SHARES FREE CASH</titleOfClass>
    <cusip>92647X830</cusip>
    <value>3022248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85495</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>85495</Sole>
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    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>26453710</value>
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    <otherManager>10</otherManager>
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      <Sole>74507</Sole>
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      <None>0</None>
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    <nameOfIssuer>VISTRA CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92840M102</cusip>
    <value>1353569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6984</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6984</Sole>
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      <None>0</None>
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    <nameOfIssuer>VOYA GLBL EQTY DIV &amp; PREM OP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92912T100</cusip>
    <value>134659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23217</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>23217</Sole>
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      <None>0</None>
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    <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>929160109</cusip>
    <value>493211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1891</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1891</Sole>
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      <None>0</None>
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    <nameOfIssuer>WSFS FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>929328102</cusip>
    <value>559570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10174</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10174</Sole>
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      <None>0</None>
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    <nameOfIssuer>WP CAREY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92936U109</cusip>
    <value>362241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5807</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>5807</Sole>
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      <None>0</None>
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    <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92939U106</cusip>
    <value>717000</value>
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      <sshPrnamt>6881</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6881</Sole>
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      <None>0</None>
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    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>20653189</value>
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      <sshPrnamt>211221</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>211221</Sole>
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      <None>0</None>
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    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931427108</cusip>
    <value>225685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19659</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>19659</Sole>
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      <None>0</None>
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    <nameOfIssuer>WARNER BROS DISCOVERY INC</nameOfIssuer>
    <titleOfClass>COM SER A</titleOfClass>
    <cusip>934423104</cusip>
    <value>256452</value>
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      <sshPrnamt>22378</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>22378</Sole>
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      <None>0</None>
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    <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106L109</cusip>
    <value>5530808</value>
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      <sshPrnamt>24171</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>24171</Sole>
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      <None>0</None>
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    <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>949746101</cusip>
    <value>3648104</value>
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      <sshPrnamt>45533</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>45533</Sole>
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      <None>0</None>
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    <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
    <titleOfClass>PERP PFD CNV A</titleOfClass>
    <cusip>949746804</cusip>
    <value>244219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>208</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>208</Sole>
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      <None>0</None>
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    <nameOfIssuer>ALLSPRING MULTI SECTOR INCOM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94987D101</cusip>
    <value>528803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55958</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>55958</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WELLTOWER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>95040Q104</cusip>
    <value>588478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3828</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>3828</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WESTERN ALLIANCE BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>957638109</cusip>
    <value>1069106</value>
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      <sshPrnamt>13710</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>13710</Sole>
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      <None>0</None>
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    <nameOfIssuer>WESTERN ASSET HIGH INCOME OP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>95766K109</cusip>
    <value>43223</value>
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      <sshPrnamt>10860</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>10860</Sole>
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      <None>0</None>
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    <nameOfIssuer>WESTERN ASSET MANAGED MUNS F</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>95766M105</cusip>
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      <sshPrnamt>12363</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>12363</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>WHEATON PRECIOUS METALS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>962879102</cusip>
    <value>1098434</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>12232</Sole>
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      <None>0</None>
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    <nameOfIssuer>WHIRLPOOL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>963320106</cusip>
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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>WILLIAMS COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>969457100</cusip>
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      <sshPrnamt>20334</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>20334</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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    <cusip>97717W109</cusip>
    <value>244206</value>
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      <sshPrnamt>3071</sshPrnamt>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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      <sshPrnamt>3217</sshPrnamt>
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      <Sole>3217</Sole>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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      <Sole>68898</Sole>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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    <value>4261110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94085</sshPrnamt>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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      <Sole>21720</Sole>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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    <cusip>97717W422</cusip>
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      <sshPrnamt>94355</sshPrnamt>
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      <Sole>94355</Sole>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>HEDGED HI YLD BD</titleOfClass>
    <cusip>97717W430</cusip>
    <value>2008875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89732</sshPrnamt>
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      <Sole>89732</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US MIDCAP DIVID</titleOfClass>
    <cusip>97717W505</cusip>
    <value>5339534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106535</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>106535</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>WISDOMTREE US VA</titleOfClass>
    <cusip>97717W547</cusip>
    <value>2914445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33732</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>33732</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US SMALLCAP FUND</titleOfClass>
    <cusip>97717W562</cusip>
    <value>244353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4795</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>4795</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US MIDCAP FUND</titleOfClass>
    <cusip>97717W570</cusip>
    <value>5064337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81987</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>81987</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US LARGECAP FUND</titleOfClass>
    <cusip>97717W588</cusip>
    <value>917455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14333</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14333</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD</titleOfClass>
    <cusip>97717W604</cusip>
    <value>406655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12804</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12804</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>INTL SMCAP DIV</titleOfClass>
    <cusip>97717W760</cusip>
    <value>920849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12260</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12260</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>GLB US QTLY DIV</titleOfClass>
    <cusip>97717W844</cusip>
    <value>6924910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171962</sshPrnamt>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>JAPN HEDGE EQT</titleOfClass>
    <cusip>97717W851</cusip>
    <value>1992412</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>17436</Sole>
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      <None>0</None>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>EM EX ST-OWNED</titleOfClass>
    <cusip>97717X578</cusip>
    <value>1705519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49464</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>49464</Sole>
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      <None>0</None>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>ITL HDG QTLY DIV</titleOfClass>
    <cusip>97717X594</cusip>
    <value>851986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18912</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>18912</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US QTLY DIV GRT</titleOfClass>
    <cusip>97717X669</cusip>
    <value>63512603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>758450</sshPrnamt>
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      <Sole>758450</Sole>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>EUROPE HEDGED EQ</titleOfClass>
    <cusip>97717X701</cusip>
    <value>200564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4168</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>4168</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US QUALITY GROW</titleOfClass>
    <cusip>97717Y477</cusip>
    <value>1546179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29423</sshPrnamt>
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      <Sole>29423</Sole>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>FLOATNG RAT TREA</titleOfClass>
    <cusip>97717Y527</cusip>
    <value>10797532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>214620</sshPrnamt>
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    <otherManager>10</otherManager>
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      <Sole>214620</Sole>
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    <nameOfIssuer>WORLD GOLD TR</nameOfIssuer>
    <titleOfClass>SPDR GLD MINIS</titleOfClass>
    <cusip>98149E303</cusip>
    <value>42162972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>643513</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>643513</Sole>
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      <None>0</None>
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    <nameOfIssuer>XCEL ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98389B100</cusip>
    <value>209612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3078</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3078</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>XYLEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98419M100</cusip>
    <value>267387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>2067</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>XTANT MED HLDGS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>98420P308</cusip>
    <value>15852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>21450</Sole>
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      <None>0</None>
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    <nameOfIssuer>XPENG INC</nameOfIssuer>
    <titleOfClass>ADS</titleOfClass>
    <cusip>98422D105</cusip>
    <value>446106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>24950</Sole>
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      <None>0</None>
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    <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>988498101</cusip>
    <value>341407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2304</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>2304</Sole>
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      <None>0</None>
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    <nameOfIssuer>ZEBRA TECHNOLOGIES CORPORATI</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>989207105</cusip>
    <value>314527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1020</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1020</Sole>
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      <None>0</None>
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    <nameOfIssuer>ZOETIS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>98978V103</cusip>
    <value>3240797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>20781</Sole>
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      <None>0</None>
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    <nameOfIssuer>ZSCALER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98980G102</cusip>
    <value>2565204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8171</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>8171</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ZOOM COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>98980L101</cusip>
    <value>324397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>4160</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMCOR PLC</nameOfIssuer>
    <titleOfClass>ORD</titleOfClass>
    <cusip>G0250X107</cusip>
    <value>126941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>13813</Sole>
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      <None>0</None>
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    <nameOfIssuer>AON PLC</nameOfIssuer>
    <titleOfClass>SHS CL A</titleOfClass>
    <cusip>G0403H108</cusip>
    <value>2641808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7405</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>7405</Sole>
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      <None>0</None>
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    <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
    <titleOfClass>SHS CLASS A</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>2279335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7626</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>7626</Sole>
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      <None>0</None>
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    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G29183103</cusip>
    <value>1247680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3495</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>3495</Sole>
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      <None>0</None>
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    <nameOfIssuer>GRAB HOLDINGS LIMITED</nameOfIssuer>
    <titleOfClass>CLASS A ORD</titleOfClass>
    <cusip>G4124C109</cusip>
    <value>102210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>20320</Sole>
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      <None>0</None>
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    <nameOfIssuer>INTERNATIONAL GAME TECHNOLOG</nameOfIssuer>
    <titleOfClass>SHS USD</titleOfClass>
    <cusip>G4863A108</cusip>
    <value>485873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>30732</Sole>
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      <None>0</None>
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    <nameOfIssuer>INVESCO LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G491BT108</cusip>
    <value>600017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>38048</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G51502105</cusip>
    <value>1139640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10790</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>LINDE PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G54950103</cusip>
    <value>2071430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4415</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>5188881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>59526</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SEALSQ CORP</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>G79483106</cusip>
    <value>53925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13381</Sole>
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      <None>0</None>
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    <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>209837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2044</Sole>
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      <None>0</None>
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    <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G87110105</cusip>
    <value>1571256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>45623</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>1039286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2376</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALARIS LTD</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>G9460G101</cusip>
    <value>247691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>5882</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>1944601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>6712</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CRISPR THERAPEUTICS AG</nameOfIssuer>
    <titleOfClass>NAMEN AKT</titleOfClass>
    <cusip>H17182108</cusip>
    <value>238871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4911</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ON HLDG AG</nameOfIssuer>
    <titleOfClass>NAMEN AKT A</titleOfClass>
    <cusip>H5919C104</cusip>
    <value>2096106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>40271</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>L8681T102</cusip>
    <value>1856195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>2419</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALPHA TAU MEDICAL LTD</nameOfIssuer>
    <titleOfClass>ORDINARY SHARES</titleOfClass>
    <cusip>M0740A108</cusip>
    <value>31200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
    <titleOfClass>ORD</titleOfClass>
    <cusip>M22465104</cusip>
    <value>227003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1026</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>1026</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>M2682V108</cusip>
    <value>262844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>646</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>646</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>INSPIRA TECHNOLOGIES OXY BHN</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>M53637100</cusip>
    <value>8500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NOVA LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>M7516K103</cusip>
    <value>346477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1259</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ZIM INTEGRATED SHIPPING SERV</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>M9T951109</cusip>
    <value>204102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>N00985106</cusip>
    <value>1279863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10939</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10939</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS</titleOfClass>
    <cusip>N07059210</cusip>
    <value>13597986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>16968</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>FERRARI N V</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>341064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
    <titleOfClass>SHS - A -</titleOfClass>
    <cusip>N53745100</cusip>
    <value>1661508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>28716</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>N6596X109</cusip>
    <value>814749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3729</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>3729</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEBIUS GROUP N.V.</nameOfIssuer>
    <titleOfClass>SHS CLASS A</titleOfClass>
    <cusip>N97284108</cusip>
    <value>228402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>4128</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>V7780T103</cusip>
    <value>400819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>1280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SAFE BULKERS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>Y7388L103</cusip>
    <value>44945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BNY MELLON ETF TRUST II</nameOfIssuer>
    <titleOfClass>CONCENTRATED GRW</titleOfClass>
    <cusip>05613H209</cusip>
    <value>44935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>13496</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BNY MELLON ETF TRUST</nameOfIssuer>
    <titleOfClass>GLOBAL INFRASCTR</titleOfClass>
    <cusip>09661T826</cusip>
    <value>598392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>15234</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>INVESCO BULLETSH</titleOfClass>
    <cusip>46139W825</cusip>
    <value>6540518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>308515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>308515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULLETSHARE 2034</titleOfClass>
    <cusip>46139W767</cusip>
    <value>285472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>12037</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SIMPLIFY EXCHANGE TRADED FUN</nameOfIssuer>
    <titleOfClass>HIGH YIELD ETF</titleOfClass>
    <cusip>82889N830</cusip>
    <value>292666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL GROUP INTERNATIONAL</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>14021T102</cusip>
    <value>558272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>19178</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer>
    <titleOfClass>SHORT DURATION</titleOfClass>
    <cusip>14020Y409</cusip>
    <value>377077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14539</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>14539</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>US LRG CP CASH</titleOfClass>
    <cusip>69374H360</cusip>
    <value>2310954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>65820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NORTHERN LTS FD TR III</nameOfIssuer>
    <titleOfClass>COUNTERPOINT QUA</titleOfClass>
    <cusip>66538R540</cusip>
    <value>1925661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>51785</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>CONFLUENCE BDC</titleOfClass>
    <cusip>33740F110</cusip>
    <value>41899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>MORTGAGE BACKED</titleOfClass>
    <cusip>46654Q575</cusip>
    <value>4393382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>87535</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VICTORYSHARES WE</titleOfClass>
    <cusip>92647P126</cusip>
    <value>544827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12641</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>12641</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>SSGA ACTIVE TR</nameOfIssuer>
    <titleOfClass>SPDR SSGA MY2028</titleOfClass>
    <cusip>78470P796</cusip>
    <value>2437154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>97311</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>PGIM ETF TR</nameOfIssuer>
    <titleOfClass>ACTV HY BD ETF</titleOfClass>
    <cusip>69344A206</cusip>
    <value>1658945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>46744</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>XCF GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>98400U103</cusip>
    <value>44674</value>
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      <sshPrnamt>25383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>25383</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKROCK ETF TRUST</nameOfIssuer>
    <titleOfClass>ISHARES US THEMA</titleOfClass>
    <cusip>09290C806</cusip>
    <value>7033490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197681</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>197681</Sole>
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      <None>0</None>
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    <nameOfIssuer>T ROWE PRICE ETF INC</nameOfIssuer>
    <titleOfClass>INTERNATIONAL EQ</titleOfClass>
    <cusip>87283Q834</cusip>
    <value>977509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>30198</Sole>
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    <cusip>56170L695</cusip>
    <value>310822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29715</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
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      <Sole>29715</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ZJK INDL CO. LTD.</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>G98Y9E102</cusip>
    <value>100751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>10</otherManager>
    <votingAuthority>
      <Sole>25900</Sole>
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</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
