<SEC-DOCUMENT>0000720672-21-000003.txt : 20210212
<SEC-HEADER>0000720672-21-000003.hdr.sgml : 20210212
<ACCEPTANCE-DATETIME>20210212171757
ACCESSION NUMBER:		0000720672-21-000003
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20201231
FILED AS OF DATE:		20210212
DATE AS OF CHANGE:		20210212
EFFECTIVENESS DATE:		20210212

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			STIFEL FINANCIAL CORP
		CENTRAL INDEX KEY:			0000720672
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211]
		IRS NUMBER:				431273600
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-04621
		FILM NUMBER:		21629704

	BUSINESS ADDRESS:	
		STREET 1:		ATTN: JAMES G. LASCHOBER
		STREET 2:		501 N. BROADWAY
		CITY:			ST. LOUIS
		STATE:			MO
		ZIP:			63102-2102
		BUSINESS PHONE:		314-342-2000

	MAIL ADDRESS:	
		STREET 1:		ATTN: JAMES G. LASCHOBER
		STREET 2:		501 N. BROADWAY
		CITY:			ST. LOUIS
		STATE:			MO
		ZIP:			63102-2102
</SEC-HEADER>
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        <address>
          <com:street1>ATTN: JAMES G. LASCHOBER</com:street1>
          <com:street2>501 N. BROADWAY</com:street2>
          <com:city>ST. LOUIS</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>63102-2102</com:zipCode>
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      <name>James M. Zemlyak</name>
      <title>President</title>
      <phone>314 342-2000</phone>
      <signature>/s/ James M. Zemlyak</signature>
      <city>St. Louis</city>
      <stateOrCountry>MO</stateOrCountry>
      <signatureDate>02-12-2021</signatureDate>
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         <nameOfIssuer>FIRST HAWAIIAN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <None>817</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>33767D105</cusip>
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             <None>400</None>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>112</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>889478103</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>99</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>99</None>
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         <nameOfIssuer>TOPBUILD CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89055F103</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>7</None>
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         <nameOfIssuer>TORO CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>891092108</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>43</None>
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     <infoTable>
         <nameOfIssuer>TORONTO DOMINION BK ONT</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>891160509</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>207</None>
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         <nameOfIssuer>TOTAL SE</nameOfIssuer>
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         <cusip>89151E109</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>263</None>
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         <nameOfIssuer>TOYOTA MOTOR CORP</nameOfIssuer>
         <titleOfClass>SP ADR REP2COM</titleOfClass>
         <cusip>892331307</cusip>
         <value>48</value>
         <shrsOrPrnAmt>
             <sshPrnamt>307</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Shared>0</Shared>
             <None>307</None>
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         <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89417E109</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <None>48</None>
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         <nameOfIssuer>TREEHOUSE FOODS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89469A104</cusip>
         <value>3</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>70</None>
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         <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89832Q109</cusip>
         <value>87</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1789</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>1789</None>
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         <nameOfIssuer>TURNING POINT THERAPEUTICS I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90041T108</cusip>
         <value>21</value>
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             <sshPrnamt>175</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>175</None>
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         <cusip>90138F102</cusip>
         <value>21</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>63</None>
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         <nameOfIssuer>TWITTER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90184L102</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>70</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>70</None>
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         <nameOfIssuer>2U INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>431</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>431</None>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>136</None>
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         <nameOfIssuer>UDR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>17</value>
         <shrsOrPrnAmt>
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             <None>430</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>902681105</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>339</None>
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         <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
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         <cusip>902973304</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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             <None>416</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>90353T100</cusip>
         <value>15</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>290</None>
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         <nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90384S303</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>55</None>
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         <nameOfIssuer>UNIFIRST CORP MASS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>904708104</cusip>
         <value>29</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>136</None>
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         <value>66</value>
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             <None>1093</None>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>342</None>
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         <value>141</value>
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             <None>839</None>
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         <nameOfIssuer>UNITED THERAPEUTICS CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91307C102</cusip>
         <value>7</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>91324P102</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>340</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>340</None>
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         <nameOfIssuer>UNUM GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91529Y106</cusip>
         <value>11</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>472</None>
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         <nameOfIssuer>UPLAND SOFTWARE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91544A109</cusip>
         <value>36</value>
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             <None>792</None>
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         <nameOfIssuer>V F CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>918204108</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>101</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>91913Y100</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>470</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
         <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>3597</None>
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         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
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             <None>22026</None>
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         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
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         <cusip>92204A306</cusip>
         <value>6</value>
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             <None>109</None>
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     <infoTable>
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         <cusip>922475108</cusip>
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             <None>44</None>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Shared>0</Shared>
             <None>292</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
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         <cusip>922908595</cusip>
         <value>96</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>360</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
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         <cusip>922908611</cusip>
         <value>95</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>669</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>128</value>
         <shrsOrPrnAmt>
             <sshPrnamt>504</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>504</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>295</value>
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             <sshPrnamt>2484</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>2484</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>292</value>
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             <sshPrnamt>1500</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1500</None>
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     <infoTable>
         <nameOfIssuer>VERISIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343E102</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>19</None>
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         <value>81</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>6</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>7</value>
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         <value>50</value>
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         <value>12</value>
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         <value>4</value>
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         <cusip>G0176J109</cusip>
         <value>10</value>
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             <sshPrnamt>83</sshPrnamt>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G02602103</cusip>
         <value>18</value>
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             <sshPrnamt>258</sshPrnamt>
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             <None>258</None>
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         <cusip>G0403H108</cusip>
         <value>25</value>
         <shrsOrPrnAmt>
             <sshPrnamt>120</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>120</None>
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         <nameOfIssuer>AXALTA COATING SYS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G0750C108</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>248</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>248</None>
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         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>55</value>
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             <sshPrnamt>211</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BUNGE LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G16962105</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>41</None>
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         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>46</value>
         <shrsOrPrnAmt>
             <sshPrnamt>382</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
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             <None>382</None>
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         <nameOfIssuer>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G46188101</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>INTERNATIONAL GAME TECHNOLOG</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G4863A108</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>266</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>266</None>
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         <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>76</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1651</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1651</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G5494J103</cusip>
         <value>130</value>
         <shrsOrPrnAmt>
             <sshPrnamt>491</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>491</None>
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         <nameOfIssuer>MARVELL TECHNOLOGY GROUP LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G5876H105</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>75</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>255</value>
         <shrsOrPrnAmt>
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             <None>2180</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>76</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
         <value>7</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>287</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>97</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>97</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G7945M107</cusip>
         <value>1</value>
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             <sshPrnamt>22</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>22</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>75</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>75</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>23</value>
         <shrsOrPrnAmt>
             <sshPrnamt>155</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>155</None>
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         <nameOfIssuer>TRITON INTL LTD</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>G9078F107</cusip>
         <value>25</value>
         <shrsOrPrnAmt>
             <sshPrnamt>514</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>514</None>
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         <nameOfIssuer>PERRIGO CO PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G97822103</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>76</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>76</None>
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         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>158</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>158</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>40</value>
         <shrsOrPrnAmt>
             <sshPrnamt>260</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>260</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>H42097107</cusip>
         <value>11</value>
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             <sshPrnamt>771</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>771</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>H50430232</cusip>
         <value>9</value>
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             <sshPrnamt>93</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>93</None>
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         <titleOfClass>REG SHS</titleOfClass>
         <cusip>H84989104</cusip>
         <value>4</value>
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             <sshPrnamt>31</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>31</None>
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         <nameOfIssuer>GLOBANT S A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>L44385109</cusip>
         <value>62</value>
         <shrsOrPrnAmt>
             <sshPrnamt>283</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>283</None>
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         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>22</None>
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         <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M22465104</cusip>
         <value>21</value>
         <shrsOrPrnAmt>
             <sshPrnamt>156</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>156</None>
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         <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>42</None>
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     <infoTable>
         <nameOfIssuer>ELBIT SYS LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M3760D101</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Shared>0</Shared>
             <None>49</None>
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     <infoTable>
         <nameOfIssuer>ICL GROUP LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M53213100</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1787</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1787</None>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1685353</Sole>
             <Shared>0</Shared>
             <None>160288</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ABERDEEN ASIA-PACIFIC INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>003009107</cusip>
         <value>128</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28805</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>28805</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ABERDEEN GLOBAL PREMIER PPTY</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>00302L108</cusip>
         <value>152</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28941</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>27941</Sole>
             <Shared>0</Shared>
             <None>1000</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ABERDEEN JAPAN EQUITY FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00306J109</cusip>
         <value>201</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21314</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20980</Sole>
             <Shared>0</Shared>
             <None>334</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ABERDEEN STD PLATINUM ETF TR</nameOfIssuer>
         <titleOfClass>PHYSCL PLATM SHS</titleOfClass>
         <cusip>003260106</cusip>
         <value>1762</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17493</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16376</Sole>
             <Shared>0</Shared>
             <None>1117</None>
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     <infoTable>
         <nameOfIssuer>ABERDEEN STD PALLADIUM ETF T</nameOfIssuer>
         <titleOfClass>PHYSCL PALLADM</titleOfClass>
         <cusip>003262102</cusip>
         <value>1370</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5966</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5966</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ABERDEEN STD PRECIOUS METALS</nameOfIssuer>
         <titleOfClass>PHYSCL PM BASKET</titleOfClass>
         <cusip>003263100</cusip>
         <value>315</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3188</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3098</Sole>
             <Shared>0</Shared>
             <None>90</None>
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     <infoTable>
         <nameOfIssuer>ABERDEEN STD SILVER ETF TR</nameOfIssuer>
         <titleOfClass>PHYSCL SILVR SHS</titleOfClass>
         <cusip>003264108</cusip>
         <value>53</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2072</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2072</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ABERDEEN STD GOLD ETF TR</nameOfIssuer>
         <titleOfClass>PHYSCL GOLD SHS</titleOfClass>
         <cusip>00326A104</cusip>
         <value>593</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32453</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>32453</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ABERDEEN TOTAL DYNAMIC DIVD</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>00326L100</cusip>
         <value>1732</value>
         <shrsOrPrnAmt>
             <sshPrnamt>195731</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>187373</Sole>
             <Shared>0</Shared>
             <None>8358</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ABIOMED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>003654100</cusip>
         <value>286</value>
         <shrsOrPrnAmt>
             <sshPrnamt>881</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>855</Sole>
             <Shared>0</Shared>
             <None>26</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ACADEMY SPORTS &amp; OUTDOORS IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00402L107</cusip>
         <value>782</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37741</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>37741</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ACCELERON PHARMA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00434H108</cusip>
         <value>1104</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8630</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8499</Sole>
             <Shared>0</Shared>
             <None>131</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ACI WORLDWIDE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>004498101</cusip>
         <value>1443</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37545</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>37074</Sole>
             <Shared>0</Shared>
             <None>471</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ACTIVISION BLIZZARD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00507V109</cusip>
         <value>43354</value>
         <shrsOrPrnAmt>
             <sshPrnamt>466917</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>458538</Sole>
             <Shared>0</Shared>
             <None>8379</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ACUITY BRANDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00508Y102</cusip>
         <value>425</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3510</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3342</Sole>
             <Shared>0</Shared>
             <None>168</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ACUSHNET HOLDINGS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>005098108</cusip>
         <value>4406</value>
         <shrsOrPrnAmt>
             <sshPrnamt>108679</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>97819</Sole>
             <Shared>0</Shared>
             <None>10860</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ADAM NAT RES FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00548F105</cusip>
         <value>360</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31634</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>29434</Sole>
             <Shared>0</Shared>
             <None>2200</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ADAMS DIVERSIFIED EQUITY FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>006212104</cusip>
         <value>6724</value>
         <shrsOrPrnAmt>
             <sshPrnamt>388874</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>354334</Sole>
             <Shared>0</Shared>
             <None>34540</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ADAPTIMMUNE THERAPEUTICS PLC</nameOfIssuer>
         <titleOfClass>SPONDS ADR</titleOfClass>
         <cusip>00653A107</cusip>
         <value>165</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30626</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>30626</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ADAPTHEALTH CORP</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>00653Q102</cusip>
         <value>654</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17416</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17416</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ADOBE SYSTEMS INCORPORATED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00724F101</cusip>
         <value>139893</value>
         <shrsOrPrnAmt>
             <sshPrnamt>279720</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>263225</Sole>
             <Shared>0</Shared>
             <None>16495</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ADTRAN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00738A106</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ADVANCE AUTO PARTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00751Y106</cusip>
         <value>13065</value>
         <shrsOrPrnAmt>
             <sshPrnamt>82946</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>81758</Sole>
             <Shared>0</Shared>
             <None>1188</None>
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     <infoTable>
         <nameOfIssuer>ADVENT CONVERTIBLE &amp; INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00764C109</cusip>
         <value>554</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33539</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>32965</Sole>
             <Shared>0</Shared>
             <None>574</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>AECOM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00766T100</cusip>
         <value>634</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12726</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12726</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ADVISORSHARES TR</nameOfIssuer>
         <titleOfClass>ADVISORSHS ETF</titleOfClass>
         <cusip>00768Y206</cusip>
         <value>1299</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21338</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>18796</Sole>
             <Shared>0</Shared>
             <None>2542</None>
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     <infoTable>
         <nameOfIssuer>ADVISORSHARES TR</nameOfIssuer>
         <titleOfClass>DORSY FSM ALCP</titleOfClass>
         <cusip>00768Y479</cusip>
         <value>528</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14190</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12840</Sole>
             <Shared>0</Shared>
             <None>1350</None>
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     <infoTable>
         <nameOfIssuer>ADVISORSHARES TR</nameOfIssuer>
         <titleOfClass>DORSY SHRT ETF</titleOfClass>
         <cusip>00768Y529</cusip>
         <value>1790</value>
         <shrsOrPrnAmt>
             <sshPrnamt>156747</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>147763</Sole>
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             <None>8984</None>
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     <infoTable>
         <nameOfIssuer>ADVISORSHARES TR</nameOfIssuer>
         <titleOfClass>RANGER EQUITY BE</titleOfClass>
         <cusip>00768Y883</cusip>
         <value>240</value>
         <shrsOrPrnAmt>
             <sshPrnamt>79200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>76700</Sole>
             <Shared>0</Shared>
             <None>2500</None>
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     <infoTable>
         <nameOfIssuer>AERIE PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00771V108</cusip>
         <value>1290</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95494</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>88918</Sole>
             <Shared>0</Shared>
             <None>6576</None>
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     <infoTable>
         <nameOfIssuer>AEROJET ROCKETDYNE HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>007800105</cusip>
         <value>264</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1400</Sole>
             <Shared>0</Shared>
             <None>3600</None>
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     <infoTable>
         <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>007903107</cusip>
         <value>20108</value>
         <shrsOrPrnAmt>
             <sshPrnamt>219259</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>180303</Sole>
             <Shared>0</Shared>
             <None>38956</None>
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     <infoTable>
         <nameOfIssuer>ADVANCED DRAIN SYS INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00790R104</cusip>
         <value>985</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11788</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10818</Sole>
             <Shared>0</Shared>
             <None>970</None>
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     <infoTable>
         <nameOfIssuer>AEGON N V</nameOfIssuer>
         <titleOfClass>NY REGISTRY SHS</titleOfClass>
         <cusip>007924103</cusip>
         <value>896</value>
         <shrsOrPrnAmt>
             <sshPrnamt>226896</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>226171</Sole>
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             <None>725</None>
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     <infoTable>
         <nameOfIssuer>ADVANCED ENERGY INDS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>007973100</cusip>
         <value>1123</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11583</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>11366</Sole>
             <Shared>0</Shared>
             <None>217</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>AEROVIRONMENT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>008073108</cusip>
         <value>622</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7162</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7034</Sole>
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             <None>128</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AFFILIATED MANAGERS GROUP IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>008252108</cusip>
         <value>2708</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26624</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8575</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR INTER DUR PFD &amp; IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33718W103</cusip>
         <value>2191</value>
         <shrsOrPrnAmt>
             <sshPrnamt>91091</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>88857</Sole>
             <Shared>0</Shared>
             <None>2234</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR ENHANCED EQTY INC F</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337318109</cusip>
         <value>388</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22013</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>22013</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>616</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8535</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8535</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>44624</value>
         <shrsOrPrnAmt>
             <sshPrnamt>661083</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>618331</Sole>
             <Shared>0</Shared>
             <None>42752</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NY ARCA BIOTECH</titleOfClass>
         <cusip>33733E203</cusip>
         <value>6787</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>39192</Sole>
             <Shared>0</Shared>
             <None>1208</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DJ INTERNT IDX</titleOfClass>
         <cusip>33733E302</cusip>
         <value>50784</value>
         <shrsOrPrnAmt>
             <sshPrnamt>239290</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>209316</Sole>
             <Shared>0</Shared>
             <None>29974</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ 100 EX</titleOfClass>
         <cusip>33733E401</cusip>
         <value>693</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8727</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7171</Sole>
             <Shared>0</Shared>
             <None>1556</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAS CLNEDG GREEN</titleOfClass>
         <cusip>33733E500</cusip>
         <value>9821</value>
         <shrsOrPrnAmt>
             <sshPrnamt>139830</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>134239</Sole>
             <Shared>0</Shared>
             <None>5591</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAT GAS ETF</titleOfClass>
         <cusip>33733E807</cusip>
         <value>145</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16488</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16488</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MULTI CAP GROWTH AL</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33733F101</cusip>
         <value>387</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3734</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3259</Sole>
             <Shared>0</Shared>
             <None>475</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TRUST SPECIALTY FINANC</nameOfIssuer>
         <titleOfClass>COM BEN INTR</titleOfClass>
         <cusip>33733G109</cusip>
         <value>32</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10246</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10246</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR SR FLG RTE INCM FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33733U108</cusip>
         <value>1725</value>
         <shrsOrPrnAmt>
             <sshPrnamt>148454</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>137852</Sole>
             <Shared>0</Shared>
             <None>10602</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337344105</cusip>
         <value>14586</value>
         <shrsOrPrnAmt>
             <sshPrnamt>144603</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>143067</Sole>
             <Shared>0</Shared>
             <None>1536</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR NASDAQ 100 TECH IND</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337345102</cusip>
         <value>9435</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68339</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>62908</Sole>
             <Shared>0</Shared>
             <None>5431</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR S&amp;P REIT INDEX FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33734G108</cusip>
         <value>1184</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50958</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>50666</Sole>
             <Shared>0</Shared>
             <None>292</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>33734H106</cusip>
         <value>95070</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2710863</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2671344</Sole>
             <Shared>0</Shared>
             <None>39519</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR LRGE CP CORE ALPHA</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33734K109</cusip>
         <value>1707</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23248</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19532</Sole>
             <Shared>0</Shared>
             <None>3716</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CONSUMR DISCRE</titleOfClass>
         <cusip>33734X101</cusip>
         <value>5343</value>
         <shrsOrPrnAmt>
             <sshPrnamt>105021</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>99736</Sole>
             <Shared>0</Shared>
             <None>5285</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CONSUMR STAPLE</titleOfClass>
         <cusip>33734X119</cusip>
         <value>2110</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40874</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>39690</Sole>
             <Shared>0</Shared>
             <None>1184</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>ENERGY ALPHADX</titleOfClass>
         <cusip>33734X127</cusip>
         <value>337</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42577</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>41794</Sole>
             <Shared>0</Shared>
             <None>783</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>FINLS ALPHADEX</titleOfClass>
         <cusip>33734X135</cusip>
         <value>1995</value>
         <shrsOrPrnAmt>
             <sshPrnamt>58195</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>58079</Sole>
             <Shared>0</Shared>
             <None>116</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>HLTH CARE ALPH</titleOfClass>
         <cusip>33734X143</cusip>
         <value>6602</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61259</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>54283</Sole>
             <Shared>0</Shared>
             <None>6976</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDLS PROD DUR</titleOfClass>
         <cusip>33734X150</cusip>
         <value>837</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16686</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15628</Sole>
             <Shared>0</Shared>
             <None>1058</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>MATERIALS ALPH</titleOfClass>
         <cusip>33734X168</cusip>
         <value>616</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12812</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12812</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>13762</value>
         <shrsOrPrnAmt>
             <sshPrnamt>123071</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>115360</Sole>
             <Shared>0</Shared>
             <None>7711</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>UTILITIES ALPH</titleOfClass>
         <cusip>33734X184</cusip>
         <value>855</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30119</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>30119</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>17055</value>
         <shrsOrPrnAmt>
             <sshPrnamt>179458</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>164755</Sole>
             <Shared>0</Shared>
             <None>14703</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>DJ GLBL DIVID</titleOfClass>
         <cusip>33734X200</cusip>
         <value>472</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21545</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20652</Sole>
             <Shared>0</Shared>
             <None>893</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ CYB ETF</titleOfClass>
         <cusip>33734X846</cusip>
         <value>16055</value>
         <shrsOrPrnAmt>
             <sshPrnamt>361747</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>327164</Sole>
             <Shared>0</Shared>
             <None>34583</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INTL EQUITY OPP</titleOfClass>
         <cusip>33734X853</cusip>
         <value>1037</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15072</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>14556</Sole>
             <Shared>0</Shared>
             <None>516</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR SML CP CORE ALPHA F</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33734Y109</cusip>
         <value>1954</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25388</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>24054</Sole>
             <Shared>0</Shared>
             <None>1334</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MID CAP CORE ALPHAD</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735B108</cusip>
         <value>8569</value>
         <shrsOrPrnAmt>
             <sshPrnamt>103188</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>55629</Sole>
             <Shared>0</Shared>
             <None>47559</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR LRG CP VL ALPHADEX</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735J101</cusip>
         <value>2726</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49626</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>46065</Sole>
             <Shared>0</Shared>
             <None>3561</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TRUST LRGCP GWT ALPHAD</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735K108</cusip>
         <value>6676</value>
         <shrsOrPrnAmt>
             <sshPrnamt>69085</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>67526</Sole>
             <Shared>0</Shared>
             <None>1559</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR STOXX EUROPEAN SELE</nameOfIssuer>
         <titleOfClass>COMMON SHS</titleOfClass>
         <cusip>33735T109</cusip>
         <value>194</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15067</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15067</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>323</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13848</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13848</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR FTSE EPRA / NAREIT</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33736N101</cusip>
         <value>588</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13420</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13300</Sole>
             <Shared>0</Shared>
             <None>120</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR NASDAQ ABA CMNTY BK</nameOfIssuer>
         <titleOfClass>UT COM SHS ETF</titleOfClass>
         <cusip>33736Q104</cusip>
         <value>256</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5715</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5715</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>1050</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27526</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>26375</Sole>
             <Shared>0</Shared>
             <None>1151</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>BRAZIL ALPHADEX</titleOfClass>
         <cusip>33737J133</cusip>
         <value>227</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16951</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16951</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>DEV MRK EX US</titleOfClass>
         <cusip>33737J174</cusip>
         <value>4034</value>
         <shrsOrPrnAmt>
             <sshPrnamt>71364</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>70774</Sole>
             <Shared>0</Shared>
             <None>590</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EMERG MKT ALPH</titleOfClass>
         <cusip>33737J182</cusip>
         <value>3640</value>
         <shrsOrPrnAmt>
             <sshPrnamt>143987</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>142564</Sole>
             <Shared>0</Shared>
             <None>1423</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>SWITZLND ALPHA</titleOfClass>
         <cusip>33737J232</cusip>
         <value>842</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13952</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13783</Sole>
             <Shared>0</Shared>
             <None>169</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EX US SML CP</titleOfClass>
         <cusip>33737J406</cusip>
         <value>323</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7596</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7492</Sole>
             <Shared>0</Shared>
             <None>104</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDXX NEXTG ETF</titleOfClass>
         <cusip>33737K205</cusip>
         <value>7968</value>
         <shrsOrPrnAmt>
             <sshPrnamt>115105</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>114892</Sole>
             <Shared>0</Shared>
             <None>213</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CP GR ALPH</titleOfClass>
         <cusip>33737M102</cusip>
         <value>2338</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35763</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>34349</Sole>
             <Shared>0</Shared>
             <None>1414</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CAP VAL FD</titleOfClass>
         <cusip>33737M201</cusip>
         <value>982</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27481</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>27481</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>6595</value>
         <shrsOrPrnAmt>
             <sshPrnamt>106909</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>103824</Sole>
             <Shared>0</Shared>
             <None>3085</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>SML CAP VAL ALPH</titleOfClass>
         <cusip>33737M409</cusip>
         <value>847</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20365</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20365</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR ENERGY INFRASTRCTR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738C103</cusip>
         <value>249</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23717</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16717</Sole>
             <Shared>0</Shared>
             <None>7000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NO AMER ENERGY</titleOfClass>
         <cusip>33738D101</cusip>
         <value>6806</value>
         <shrsOrPrnAmt>
             <sshPrnamt>324542</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>324171</Sole>
             <Shared>0</Shared>
             <None>371</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SENIOR LN FD</titleOfClass>
         <cusip>33738D309</cusip>
         <value>6539</value>
         <shrsOrPrnAmt>
             <sshPrnamt>137401</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>135077</Sole>
             <Shared>0</Shared>
             <None>2324</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR TA HIYL</titleOfClass>
         <cusip>33738D408</cusip>
         <value>24404</value>
         <shrsOrPrnAmt>
             <sshPrnamt>500908</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>497511</Sole>
             <Shared>0</Shared>
             <None>3397</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR HIGH INCOME L/S FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738E109</cusip>
         <value>469</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31764</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>31339</Sole>
             <Shared>0</Shared>
             <None>425</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>MULTI ASSET DI</titleOfClass>
         <cusip>33738R100</cusip>
         <value>707</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47030</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>38730</Sole>
             <Shared>0</Shared>
             <None>8300</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASD TECH DIV</titleOfClass>
         <cusip>33738R118</cusip>
         <value>4677</value>
         <shrsOrPrnAmt>
             <sshPrnamt>94540</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>87052</Sole>
             <Shared>0</Shared>
             <None>7488</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>BUYWRIT INCM ETF</titleOfClass>
         <cusip>33738R308</cusip>
         <value>442</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21886</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21071</Sole>
             <Shared>0</Shared>
             <None>815</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
         <cusip>33738R506</cusip>
         <value>7919</value>
         <shrsOrPrnAmt>
             <sshPrnamt>198272</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>196823</Sole>
             <Shared>0</Shared>
             <None>1449</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DORSEY WRT 5 ETF</titleOfClass>
         <cusip>33738R605</cusip>
         <value>17286</value>
         <shrsOrPrnAmt>
             <sshPrnamt>427140</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>414833</Sole>
             <Shared>0</Shared>
             <None>12307</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>S&amp;P INTL DIVID</titleOfClass>
         <cusip>33738R688</cusip>
         <value>631</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38787</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>36581</Sole>
             <Shared>0</Shared>
             <None>2206</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>RBA INDL ETF</titleOfClass>
         <cusip>33738R704</cusip>
         <value>249</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7325</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6437</Sole>
             <Shared>0</Shared>
             <None>888</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ ARTFCIAL</titleOfClass>
         <cusip>33738R720</cusip>
         <value>1046</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20864</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19679</Sole>
             <Shared>0</Shared>
             <None>1185</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ TRANSN</titleOfClass>
         <cusip>33738R795</cusip>
         <value>513</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18288</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>18288</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ SEMCNDTR</titleOfClass>
         <cusip>33738R811</cusip>
         <value>1252</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20948</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20948</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>403</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16962</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16962</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DORSEY WRIGHT</titleOfClass>
         <cusip>33738R878</cusip>
         <value>364</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11727</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10725</Sole>
             <Shared>0</Shared>
             <None>1002</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DORSEY WRIGHT</titleOfClass>
         <cusip>33738R886</cusip>
         <value>1453</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65405</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>63807</Sole>
             <Shared>0</Shared>
             <None>1598</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MLP &amp; ENERGY INCOM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33739B104</cusip>
         <value>84</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14502</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>14502</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>23802</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1178903</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1143319</Sole>
             <Shared>0</Shared>
             <None>35584</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
         <titleOfClass>FST TR GLB FD</titleOfClass>
         <cusip>33739H101</cusip>
         <value>4992</value>
         <shrsOrPrnAmt>
             <sshPrnamt>258243</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>257801</Sole>
             <Shared>0</Shared>
             <None>442</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>MANAGD MUN ETF</titleOfClass>
         <cusip>33739N108</cusip>
         <value>6492</value>
         <shrsOrPrnAmt>
             <sshPrnamt>114433</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>113530</Sole>
             <Shared>0</Shared>
             <None>903</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>LNG/SHT EQUITY</titleOfClass>
         <cusip>33739P103</cusip>
         <value>236</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5408</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5408</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>EME MRK BD ETF</titleOfClass>
         <cusip>33739P202</cusip>
         <value>739</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19407</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19106</Sole>
             <Shared>0</Shared>
             <None>301</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>CALIF MUN INCM</titleOfClass>
         <cusip>33739P863</cusip>
         <value>446</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8244</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7748</Sole>
             <Shared>0</Shared>
             <None>496</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FST LOW OPPT EFT</titleOfClass>
         <cusip>33739Q200</cusip>
         <value>37194</value>
         <shrsOrPrnAmt>
             <sshPrnamt>722632</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>700725</Sole>
             <Shared>0</Shared>
             <None>21907</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR ENH NEW</titleOfClass>
         <cusip>33739Q408</cusip>
         <value>25085</value>
         <shrsOrPrnAmt>
             <sshPrnamt>417798</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>410804</Sole>
             <Shared>0</Shared>
             <None>6994</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SSI STRG ETF</titleOfClass>
         <cusip>33739Q507</cusip>
         <value>821</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16778</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16663</Sole>
             <Shared>0</Shared>
             <None>115</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR DYNAMIC EUROPE EQUI</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33740D107</cusip>
         <value>844</value>
         <shrsOrPrnAmt>
             <sshPrnamt>71491</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>68691</Sole>
             <Shared>0</Shared>
             <None>2800</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>EQUITYCOMPASS</titleOfClass>
         <cusip>33740F607</cusip>
         <value>7118</value>
         <shrsOrPrnAmt>
             <sshPrnamt>340083</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>330323</Sole>
             <Shared>0</Shared>
             <None>9760</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>EQTCOMPAS TACT</titleOfClass>
         <cusip>33740F706</cusip>
         <value>6050</value>
         <shrsOrPrnAmt>
             <sshPrnamt>331327</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>323492</Sole>
             <Shared>0</Shared>
             <None>7835</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>TCW OPPORTUNIS</titleOfClass>
         <cusip>33740F805</cusip>
         <value>23637</value>
         <shrsOrPrnAmt>
             <sshPrnamt>431869</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>422234</Sole>
             <Shared>0</Shared>
             <None>9635</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>LOW DUR STRTGC</titleOfClass>
         <cusip>33740F870</cusip>
         <value>4072</value>
         <shrsOrPrnAmt>
             <sshPrnamt>199015</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>198515</Sole>
             <Shared>0</Shared>
             <None>500</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>TCW UNCONSTRAI</titleOfClass>
         <cusip>33740F888</cusip>
         <value>6799</value>
         <shrsOrPrnAmt>
             <sshPrnamt>254821</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>251832</Sole>
             <Shared>0</Shared>
             <None>2989</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>ULTRA SHT DUR MU</titleOfClass>
         <cusip>33740J104</cusip>
         <value>1058</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52432</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2432</Sole>
             <Shared>0</Shared>
             <None>50000</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR SR FLOATING RATE 20</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33740K101</cusip>
         <value>676</value>
         <shrsOrPrnAmt>
             <sshPrnamt>75146</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>74146</Sole>
             <Shared>0</Shared>
             <None>1000</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DORSY WR MOMNT</titleOfClass>
         <cusip>33741L108</cusip>
         <value>1020</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41564</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>40540</Sole>
             <Shared>0</Shared>
             <None>1024</None>
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     <infoTable>
         <nameOfIssuer>FIRSTCASH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33767D105</cusip>
         <value>173</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2465</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2465</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>16062</value>
         <shrsOrPrnAmt>
             <sshPrnamt>141071</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>131191</Sole>
             <Shared>0</Shared>
             <None>9880</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337932107</cusip>
         <value>4763</value>
         <shrsOrPrnAmt>
             <sshPrnamt>155614</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>149949</Sole>
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             <None>5665</None>
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     <infoTable>
         <nameOfIssuer>FISKER INC</nameOfIssuer>
         <titleOfClass>CL A COM STK</titleOfClass>
         <cusip>33813J106</cusip>
         <value>1644</value>
         <shrsOrPrnAmt>
             <sshPrnamt>112196</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>109600</Sole>
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             <None>2596</None>
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     <infoTable>
         <nameOfIssuer>FIVE BELOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33829M101</cusip>
         <value>7722</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44131</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>41803</Sole>
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             <None>2328</None>
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     <infoTable>
         <nameOfIssuer>FIVE9 INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338307101</cusip>
         <value>2640</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15137</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>530</None>
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     <infoTable>
         <nameOfIssuer>FLAHERTY &amp; CRUMRINE PFD SECS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338478100</cusip>
         <value>954</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40739</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>36503</Sole>
             <Shared>0</Shared>
             <None>4236</None>
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     <infoTable>
         <nameOfIssuer>FLAHERTY &amp; CRUMRINE DYN PFD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>33848W106</cusip>
         <value>1008</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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             <None>13675</None>
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     <infoTable>
         <nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>339041105</cusip>
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             <sshPrnamt>3887</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>19</None>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>MORNSTAR UPSTR</titleOfClass>
         <cusip>33939L407</cusip>
         <value>412</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12660</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>119</None>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
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         <value>1934</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>HIG YLD VL ETF</titleOfClass>
         <cusip>33939L662</cusip>
         <value>1926</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39202</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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             <None>4807</None>
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         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>GLB QLT R/E IDX</titleOfClass>
         <cusip>33939L787</cusip>
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         <shrsOrPrnAmt>
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             <None>118</None>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
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         <cusip>33939L845</cusip>
         <value>872</value>
         <shrsOrPrnAmt>
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             <None>6625</None>
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         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>READY ACC VARI</titleOfClass>
         <cusip>33939L886</cusip>
         <value>3557</value>
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             <None>509</None>
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     <infoTable>
         <nameOfIssuer>FLOOR &amp; DECOR HLDGS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>339750101</cusip>
         <value>264</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>196</None>
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     <infoTable>
         <nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>343412102</cusip>
         <value>506</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1424</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>343498101</cusip>
         <value>186</value>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>SPON ADR UNITS</titleOfClass>
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     <infoTable>
         <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>345370860</cusip>
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             <None>52853</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>346375108</cusip>
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             <None>374</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>349553107</cusip>
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             <None>11407</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>34959E109</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>570</None>
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     <infoTable>
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         <titleOfClass>WILDERHIL CLAN</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>56153</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>WATER RES ETF</titleOfClass>
         <cusip>46137V142</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>25144</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>98</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P SML600 VAL</titleOfClass>
         <cusip>46137V167</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>4427</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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         <cusip>46137V217</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>1984</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P MDCP400 EQ</titleOfClass>
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     <infoTable>
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         <shrsOrPrnAmt>
             <sshPrnamt>22173</sshPrnamt>
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     <infoTable>
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     <infoTable>
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             <sshPrnamt>6699</sshPrnamt>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <shrsOrPrnAmt>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <shrsOrPrnAmt>
             <sshPrnamt>2763</sshPrnamt>
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     <infoTable>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <shrsOrPrnAmt>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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             <sshPrnamt>40253</sshPrnamt>
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     <infoTable>
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             <sshPrnamt>1730</sshPrnamt>
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     <infoTable>
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     <infoTable>
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         <shrsOrPrnAmt>
             <sshPrnamt>5828</sshPrnamt>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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             <sshPrnamt>100</sshPrnamt>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>NUVEEN CALIFORNIA AMT QLT MU</nameOfIssuer>
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         <cusip>670651108</cusip>
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     <infoTable>
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         <value>623</value>
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         <nameOfIssuer>NUVEEN INTER DURATION MUN TE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670671106</cusip>
         <value>1047</value>
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         <nameOfIssuer>NUVEEN INT DUR QUAL MUN TRM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670677103</cusip>
         <value>978</value>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>670682103</cusip>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>6706EP105</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>1422</value>
         <shrsOrPrnAmt>
             <sshPrnamt>149647</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>144247</Sole>
             <Shared>0</Shared>
             <None>5400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CR STRATEGIES INCOME</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67073D102</cusip>
         <value>1483</value>
         <shrsOrPrnAmt>
             <sshPrnamt>234218</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>214738</Sole>
             <Shared>0</Shared>
             <None>19480</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67074C103</cusip>
         <value>972</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40928</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>40928</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN SHT DUR CR OPP FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67074X107</cusip>
         <value>143</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10740</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10740</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN REAL ASSET INCOME &amp; G</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67074Y105</cusip>
         <value>299</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22192</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>18792</Sole>
             <Shared>0</Shared>
             <None>3400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME TERM FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67075A106</cusip>
         <value>240</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9758</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9758</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN DOW 30 DYNAMIC OVERWR</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>67075F105</cusip>
         <value>4202</value>
         <shrsOrPrnAmt>
             <sshPrnamt>276457</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>262702</Sole>
             <Shared>0</Shared>
             <None>13755</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN GLOBAL HIGH INCOME FD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>67075G103</cusip>
         <value>223</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14331</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>14331</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME 2022 TER</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67075T105</cusip>
         <value>1476</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60617</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>56869</Sole>
             <Shared>0</Shared>
             <None>3748</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CR OPPORTUNITIES 2022</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67075U102</cusip>
         <value>275</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34206</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>33706</Sole>
             <Shared>0</Shared>
             <None>500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67077M108</cusip>
         <value>17760</value>
         <shrsOrPrnAmt>
             <sshPrnamt>368765</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>327657</Sole>
             <Shared>0</Shared>
             <None>41108</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CORPORATE INCM NOVEME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67077N106</cusip>
         <value>2434</value>
         <shrsOrPrnAmt>
             <sshPrnamt>264568</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>232068</Sole>
             <Shared>0</Shared>
             <None>32500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN EMERGING MKTS DEBT 20</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67077P101</cusip>
         <value>225</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30061</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>30061</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670837103</cusip>
         <value>1553</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48747</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>46221</Sole>
             <Shared>0</Shared>
             <None>2526</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN TX ADV TOTAL RET STRG</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67090H102</cusip>
         <value>119</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12675</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12675</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CORE EQUITY ALPHA FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67090X107</cusip>
         <value>557</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39590</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>37590</Sole>
             <Shared>0</Shared>
             <None>2000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670928100</cusip>
         <value>2480</value>
         <shrsOrPrnAmt>
             <sshPrnamt>223414</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>221631</Sole>
             <Shared>0</Shared>
             <None>1783</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG EMRGN</titleOfClass>
         <cusip>67092P888</cusip>
         <value>215</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6414</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6414</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PENNSYLVANIA QLT MUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670972108</cusip>
         <value>405</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28009</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>27509</Sole>
             <Shared>0</Shared>
             <None>500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN MICH QUALITY MUN INCO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670979103</cusip>
         <value>1202</value>
         <shrsOrPrnAmt>
             <sshPrnamt>81470</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>72670</Sole>
             <Shared>0</Shared>
             <None>8800</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN OHIO QLTY MUN INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670980101</cusip>
         <value>1072</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68473</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>68473</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>O-I GLASS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67098H104</cusip>
         <value>1242</value>
         <shrsOrPrnAmt>
             <sshPrnamt>104377</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>267</Sole>
             <Shared>0</Shared>
             <None>104110</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OFS CAP CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103B100</cusip>
         <value>98</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13730</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13730</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103H107</cusip>
         <value>14634</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32336</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>29168</Sole>
             <Shared>0</Shared>
             <None>3168</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OSI ETF TR</nameOfIssuer>
         <titleOfClass>OSHARES US QUALT</titleOfClass>
         <cusip>67110P407</cusip>
         <value>3198</value>
         <shrsOrPrnAmt>
             <sshPrnamt>83524</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>70468</Sole>
             <Shared>0</Shared>
             <None>13056</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OSI ETF TR</nameOfIssuer>
         <titleOfClass>OSHS GBL INTER</titleOfClass>
         <cusip>67110P704</cusip>
         <value>1299</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23938</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>23060</Sole>
             <Shared>0</Shared>
             <None>878</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OAKTREE SPECIALTY LENDING CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67401P108</cusip>
         <value>970</value>
         <shrsOrPrnAmt>
             <sshPrnamt>174191</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>174191</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OAKTREE STRATEGIC INCOME COR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67402D104</cusip>
         <value>121</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15550</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15550</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>674599105</cusip>
         <value>1652</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95420</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>83641</Sole>
             <Shared>0</Shared>
             <None>11779</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>*W EXP 08/03/202</titleOfClass>
         <cusip>674599162</cusip>
         <value>227</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33273</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>30973</Sole>
             <Shared>0</Shared>
             <None>2300</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OCEANEERING INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>675232102</cusip>
         <value>179</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21100</Sole>
             <Shared>0</Shared>
             <None>1400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OCEANFIRST FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>675234108</cusip>
         <value>642</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34435</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>33965</Sole>
             <Shared>0</Shared>
             <None>470</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OFFICE PPTYS INCOME TR</nameOfIssuer>
         <titleOfClass>COM SHS BEN INT</titleOfClass>
         <cusip>67623C109</cusip>
         <value>305</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13440</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13188</Sole>
             <Shared>0</Shared>
             <None>252</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OKTA INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>679295105</cusip>
         <value>5171</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20337</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17360</Sole>
             <Shared>0</Shared>
             <None>2977</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>679580100</cusip>
         <value>4259</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21822</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21333</Sole>
             <Shared>0</Shared>
             <None>489</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OLD NATL BANCORP IND</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>680033107</cusip>
         <value>430</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25960</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>25448</Sole>
             <Shared>0</Shared>
             <None>512</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OLD REP INTL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>680223104</cusip>
         <value>763</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38706</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>37253</Sole>
             <Shared>0</Shared>
             <None>1453</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OLIN CORP</nameOfIssuer>
         <titleOfClass>COM PAR $1</titleOfClass>
         <cusip>680665205</cusip>
         <value>6968</value>
         <shrsOrPrnAmt>
             <sshPrnamt>283692</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
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         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SEI INVTS CO</nameOfIssuer>
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         <shrsOrPrnAmt>
             <sshPrnamt>13979</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>SJW GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>784305104</cusip>
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         <shrsOrPrnAmt>
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             <None>109</None>
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     <infoTable>
         <nameOfIssuer>SK TELECOM LTD</nameOfIssuer>
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         <value>382</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15596</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>SL GREEN RLTY CORP</nameOfIssuer>
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         <cusip>78440X101</cusip>
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     <infoTable>
         <nameOfIssuer>SLM CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <None>0</None>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
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     <infoTable>
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     <infoTable>
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     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>PORTFOLIO EMG MK</titleOfClass>
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     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <titleOfClass>GLB NAT RESRCE</titleOfClass>
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     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>S&amp;P EMKTSC ETF</titleOfClass>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <cusip>78463X772</cusip>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <cusip>78463X863</cusip>
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         <shrsOrPrnAmt>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>NYSE TECH ETF</titleOfClass>
         <cusip>78464A102</cusip>
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         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78464A201</cusip>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <titleOfClass>NUVEEN BBG BRCLY</titleOfClass>
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     <infoTable>
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         <cusip>78464A300</cusip>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
         <cusip>78464A375</cusip>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>PORTFOLIO SHORT</titleOfClass>
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     <infoTable>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <cusip>78464A508</cusip>
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         <shrsOrPrnAmt>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>74416</Sole>
             <Shared>0</Shared>
             <None>735</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
         <cusip>78464A664</cusip>
         <value>67322</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1491729</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1410652</Sole>
             <Shared>0</Shared>
             <None>81077</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFLI INTRMDIT</titleOfClass>
         <cusip>78464A672</cusip>
         <value>4253</value>
         <shrsOrPrnAmt>
             <sshPrnamt>128650</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>124637</Sole>
             <Shared>0</Shared>
             <None>4013</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P REGL BKG</titleOfClass>
         <cusip>78464A698</cusip>
         <value>6113</value>
         <shrsOrPrnAmt>
             <sshPrnamt>117662</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>113284</Sole>
             <Shared>0</Shared>
             <None>4378</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P RETAIL ETF</titleOfClass>
         <cusip>78464A714</cusip>
         <value>752</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11695</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>51</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P PHARMAC</titleOfClass>
         <cusip>78464A722</cusip>
         <value>1275</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24489</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>23246</Sole>
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             <None>1243</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P METALS MNG</titleOfClass>
         <cusip>78464A755</cusip>
         <value>801</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23952</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>155</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
         <cusip>78464A763</cusip>
         <value>11380</value>
         <shrsOrPrnAmt>
             <sshPrnamt>107425</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P INS ETF</titleOfClass>
         <cusip>78464A789</cusip>
         <value>462</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13766</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P BK ETF</titleOfClass>
         <cusip>78464A797</cusip>
         <value>6933</value>
         <shrsOrPrnAmt>
             <sshPrnamt>165775</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>493</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLI S&amp;P1500</titleOfClass>
         <cusip>78464A805</cusip>
         <value>579</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12572</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>12572</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 600 SML CAP</titleOfClass>
         <cusip>78464A813</cusip>
         <value>197</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2474</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>96</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP GRW</titleOfClass>
         <cusip>78464A821</cusip>
         <value>44805</value>
         <shrsOrPrnAmt>
             <sshPrnamt>646252</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>22692</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
         <cusip>78464A839</cusip>
         <value>45610</value>
         <shrsOrPrnAmt>
             <sshPrnamt>821769</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>792438</Sole>
             <Shared>0</Shared>
             <None>29331</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>
         <cusip>78464A854</cusip>
         <value>1130</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25714</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>25714</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P SEMICNDCTR</titleOfClass>
         <cusip>78464A862</cusip>
         <value>3341</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19563</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19532</Sole>
             <Shared>0</Shared>
             <None>31</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P BIOTECH</titleOfClass>
         <cusip>78464A870</cusip>
         <value>9235</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65597</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>63645</Sole>
             <Shared>0</Shared>
             <None>1952</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P HOMEBUILD</titleOfClass>
         <cusip>78464A888</cusip>
         <value>5448</value>
         <shrsOrPrnAmt>
             <sshPrnamt>94519</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>89840</Sole>
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             <None>4679</None>
         </votingAuthority>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78467J100</cusip>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>1028</None>
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     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>BLKSTN GSOSRLN</titleOfClass>
         <cusip>78467V608</cusip>
         <value>6519</value>
         <shrsOrPrnAmt>
             <sshPrnamt>142808</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>1137</None>
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     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>SPDR TR TACTIC</titleOfClass>
         <cusip>78467V848</cusip>
         <value>1987</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40317</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
         <titleOfClass>UT SER 1</titleOfClass>
         <cusip>78467X109</cusip>
         <value>26048</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85181</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>3176</None>
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     <infoTable>
         <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
         <cusip>78467Y107</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>21298</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>596</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO SH TSR</titleOfClass>
         <cusip>78468R101</cusip>
         <value>2090</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>4401</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG SRT TR</titleOfClass>
         <cusip>78468R408</cusip>
         <value>1498</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55583</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>55583</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>OILGAS EQUIP</titleOfClass>
         <cusip>78468R549</cusip>
         <value>883</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19695</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>116</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P OILGAS EXP</titleOfClass>
         <cusip>78468R556</cusip>
         <value>1732</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29613</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG BRCLYS</titleOfClass>
         <cusip>78468R622</cusip>
         <value>10195</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>746</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>SPDR BLOOMBERG</titleOfClass>
         <cusip>78468R663</cusip>
         <value>20176</value>
         <shrsOrPrnAmt>
             <sshPrnamt>220438</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Shared>0</Shared>
             <None>19667</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>DORSEY WRGT FI</titleOfClass>
         <cusip>78468R713</cusip>
         <value>1274</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>3309</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BRC MUNIC</titleOfClass>
         <cusip>78468R721</cusip>
         <value>7173</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>6238</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SR</titleOfClass>
         <cusip>78468R739</cusip>
         <value>21815</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>4720</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>SSGA GNDER ETF</titleOfClass>
         <cusip>78468R747</cusip>
         <value>261</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Shared>0</Shared>
             <None>202</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>SPDR S&amp;P 500 ETF</titleOfClass>
         <cusip>78468R796</cusip>
         <value>54</value>
         <shrsOrPrnAmt>
             <sshPrnamt>584</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>185</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOMBERG 1 10 YR</titleOfClass>
         <cusip>78468R861</cusip>
         <value>1271</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60819</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>SSGA US SMAL ETF</titleOfClass>
         <cusip>78468R887</cusip>
         <value>317</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3317</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>170</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78469X107</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>14511</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>11386</Sole>
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             <None>3125</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4760</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCIENCE APPLICATIONS INTL CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808625107</cusip>
         <value>808</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8537</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8433</Sole>
             <Shared>0</Shared>
             <None>104</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCIENTIFIC GAMES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>80874P109</cusip>
         <value>512</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12350</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10600</Sole>
             <Shared>0</Shared>
             <None>1750</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCORPIO TANKERS INC</nameOfIssuer>
         <titleOfClass>NOTE 3.000% 5/1</titleOfClass>
         <cusip>80918TAB5</cusip>
         <value>29</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28559</sshPrnamt>
             <sshPrnamtType>PRN</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>28559</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCOTTS MIRACLE GRO CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>810186106</cusip>
         <value>38330</value>
         <shrsOrPrnAmt>
             <sshPrnamt>192477</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>188506</Sole>
             <Shared>0</Shared>
             <None>3971</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCRIPPS E W CO OHIO</nameOfIssuer>
         <titleOfClass>CL A NEW</titleOfClass>
         <cusip>811054402</cusip>
         <value>157</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10290</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10045</Sole>
             <Shared>0</Shared>
             <None>245</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>34827</value>
         <shrsOrPrnAmt>
             <sshPrnamt>174964</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>169145</Sole>
             <Shared>0</Shared>
             <None>5819</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEABOARD CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>811543107</cusip>
         <value>1076</value>
         <shrsOrPrnAmt>
             <sshPrnamt>355</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>353</Sole>
             <Shared>0</Shared>
             <None>2</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEACOAST BKG CORP FLA</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>811707801</cusip>
         <value>482</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16351</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16351</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81181C104</cusip>
         <value>4462</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25476</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>25045</Sole>
             <Shared>0</Shared>
             <None>431</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81211K100</cusip>
         <value>1331</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29075</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>29063</Sole>
             <Shared>0</Shared>
             <None>12</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAWORLD ENTMT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81282V100</cusip>
         <value>1359</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43025</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>42178</Sole>
             <Shared>0</Shared>
             <None>847</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>13315</value>
         <shrsOrPrnAmt>
             <sshPrnamt>183925</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>176373</Sole>
             <Shared>0</Shared>
             <None>7552</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>46847</value>
         <shrsOrPrnAmt>
             <sshPrnamt>412950</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>399411</Sole>
             <Shared>0</Shared>
             <None>13539</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>26115</value>
         <shrsOrPrnAmt>
             <sshPrnamt>387184</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>366906</Sole>
             <Shared>0</Shared>
             <None>20278</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>45758</value>
         <shrsOrPrnAmt>
             <sshPrnamt>284595</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>274838</Sole>
             <Shared>0</Shared>
             <None>9757</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>21882</value>
         <shrsOrPrnAmt>
             <sshPrnamt>577361</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>533282</Sole>
             <Shared>0</Shared>
             <None>44079</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-FINL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>41215</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1398062</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1358051</Sole>
             <Shared>0</Shared>
             <None>40011</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>37935</value>
         <shrsOrPrnAmt>
             <sshPrnamt>428393</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>415315</Sole>
             <Shared>0</Shared>
             <None>13078</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>57075</value>
         <shrsOrPrnAmt>
             <sshPrnamt>438962</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>420620</Sole>
             <Shared>0</Shared>
             <None>18342</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>22401</value>
         <shrsOrPrnAmt>
             <sshPrnamt>331965</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>327158</Sole>
             <Shared>0</Shared>
             <None>4807</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>RL EST SEL SEC</titleOfClass>
         <cusip>81369Y860</cusip>
         <value>1357</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37116</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>35006</Sole>
             <Shared>0</Shared>
             <None>2110</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>18195</value>
         <shrsOrPrnAmt>
             <sshPrnamt>290181</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>275275</Sole>
             <Shared>0</Shared>
             <None>14906</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816300107</cusip>
         <value>1626</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24269</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>24269</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECTQUOTE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816307300</cusip>
         <value>882</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42494</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>42394</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMTECH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816850101</cusip>
         <value>5322</value>
         <shrsOrPrnAmt>
             <sshPrnamt>73818</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>73663</Sole>
             <Shared>0</Shared>
             <None>155</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>13974</value>
         <shrsOrPrnAmt>
             <sshPrnamt>109676</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>105877</Sole>
             <Shared>0</Shared>
             <None>3799</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSIENT TECHNOLOGIES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81725T100</cusip>
         <value>119</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1607</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1607</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERES THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81750R102</cusip>
         <value>208</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8492</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8428</Sole>
             <Shared>0</Shared>
             <None>64</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>817565104</cusip>
         <value>389</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7920</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4887</Sole>
             <Shared>0</Shared>
             <None>3033</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE PPTYS TR</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>81761L102</cusip>
         <value>354</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30791</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>30432</Sole>
             <Shared>0</Shared>
             <None>359</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>61930</value>
         <shrsOrPrnAmt>
             <sshPrnamt>112512</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>105498</Sole>
             <Shared>0</Shared>
             <None>7014</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVISFIRST BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81768T108</cusip>
         <value>740</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18363</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>18338</Sole>
             <Shared>0</Shared>
             <None>25</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHAKE SHACK INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>819047101</cusip>
         <value>233</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2747</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2639</Sole>
             <Shared>0</Shared>
             <None>108</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHELL MIDSTREAM PARTNERS L P</nameOfIssuer>
         <titleOfClass>UNIT LTD INT</titleOfClass>
         <cusip>822634101</cusip>
         <value>290</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28791</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>28791</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>32469</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44167</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>42363</Sole>
             <Shared>0</Shared>
             <None>1804</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHIFT4 PMTS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82452J109</cusip>
         <value>1056</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14001</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>14001</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHINHAN FINANCIAL GROUP CO L</nameOfIssuer>
         <titleOfClass>SPN ADR RESTRD</titleOfClass>
         <cusip>824596100</cusip>
         <value>677</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22759</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>22352</Sole>
             <Shared>0</Shared>
             <None>407</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
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             <None>30229</None>
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     <infoTable>
         <nameOfIssuer>VANECK VECTORS ETF TR</nameOfIssuer>
         <titleOfClass>GREEN BD ETF</titleOfClass>
         <cusip>92189F171</cusip>
         <value>239</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
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         <cusip>92189F387</cusip>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <cusip>92189F411</cusip>
         <value>2300</value>
         <shrsOrPrnAmt>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>FALLEN ANGEL HG</titleOfClass>
         <cusip>92189F437</cusip>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <cusip>92189H201</cusip>
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     <infoTable>
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         <titleOfClass>JP MORGAN MKTS</titleOfClass>
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     <infoTable>
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     <infoTable>
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     <infoTable>
         <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
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         <cusip>921910840</cusip>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
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     <infoTable>
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         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
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         <cusip>921932869</cusip>
         <value>2596</value>
         <shrsOrPrnAmt>
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     <infoTable>
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         <cusip>921932885</cusip>
         <value>522</value>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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         <cusip>921937793</cusip>
         <value>6427</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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         <cusip>921937819</cusip>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>SHORT TRM BOND</titleOfClass>
         <cusip>921937827</cusip>
         <value>84700</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
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         <otherManager>1</otherManager>
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     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
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             <None>177066</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL DVD ETF</titleOfClass>
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         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
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     <infoTable>
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     <infoTable>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
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         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
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         <cusip>922042866</cusip>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EUROPE ETF</titleOfClass>
         <cusip>922042874</cusip>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>CONSUM DIS ETF</titleOfClass>
         <cusip>92204A108</cusip>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>HEALTH CAR ETF</titleOfClass>
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         <shrsOrPrnAmt>
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         <votingAuthority>
             <Sole>59913</Sole>
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             <None>3049</None>
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     <infoTable>
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         <titleOfClass>INDUSTRIAL ETF</titleOfClass>
         <cusip>92204A603</cusip>
         <value>7349</value>
         <shrsOrPrnAmt>
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         <votingAuthority>
             <Sole>42124</Sole>
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             <None>1106</None>
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     <infoTable>
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         <titleOfClass>INF TECH ETF</titleOfClass>
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         <value>71368</value>
         <shrsOrPrnAmt>
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             <Sole>191977</Sole>
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             <None>9729</None>
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     <infoTable>
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         <titleOfClass>MATERIALS ETF</titleOfClass>
         <cusip>92204A801</cusip>
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     <infoTable>
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         <titleOfClass>UTILITIES ETF</titleOfClass>
         <cusip>92204A876</cusip>
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         <titleOfClass>COMM SRVC ETF</titleOfClass>
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         <shrsOrPrnAmt>
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             <Sole>55565</Sole>
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             <None>1361</None>
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     <infoTable>
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         <titleOfClass>SHORT TERM TREAS</titleOfClass>
         <cusip>92206C102</cusip>
         <value>3582</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>55882</Sole>
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             <None>2270</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>75858</value>
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             <sshPrnamt>911174</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>854002</Sole>
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             <None>57172</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>TOTAL CORP BND</titleOfClass>
         <cusip>92206C573</cusip>
         <value>167</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1773</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1773</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000VAL</titleOfClass>
         <cusip>92206C649</cusip>
         <value>968</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8378</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8374</Sole>
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             <None>4</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>260</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1643</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1643</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000GRW</titleOfClass>
         <cusip>92206C680</cusip>
         <value>2214</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8930</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8548</Sole>
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             <None>382</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INTER TERM TREAS</titleOfClass>
         <cusip>92206C706</cusip>
         <value>1859</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26772</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>26552</Sole>
             <Shared>0</Shared>
             <None>220</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000VAL</titleOfClass>
         <cusip>92206C714</cusip>
         <value>543</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4532</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4532</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000IDX</titleOfClass>
         <cusip>92206C730</cusip>
         <value>1930</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11016</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>11016</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>MORTG-BACK SEC</titleOfClass>
         <cusip>92206C771</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>3532952</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3368780</Sole>
             <Shared>0</Shared>
             <None>164172</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>LG-TERM COR BD</titleOfClass>
         <cusip>92206C813</cusip>
         <value>2690</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24208</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>23429</Sole>
             <Shared>0</Shared>
             <None>779</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>LONG TERM TREAS</titleOfClass>
         <cusip>92206C847</cusip>
         <value>637</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6643</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>1061</None>
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         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
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         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
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         <titleOfClass>EXTEND MKT ETF</titleOfClass>
         <cusip>922908652</cusip>
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         <shrsOrPrnAmt>
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         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
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         <shrsOrPrnAmt>
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         <titleOfClass>VALUE ETF</titleOfClass>
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         <titleOfClass>TOTAL STK MKT</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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             <None>3179</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>13318</value>
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         <cusip>92346J108</cusip>
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             <None>2741</None>
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             <None>205</None>
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             <None>4330</None>
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     <infoTable>
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         <titleOfClass>ORD</titleOfClass>
         <cusip>G0450A105</cusip>
         <value>4623</value>
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         <otherManager>1</otherManager>
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             <None>1725</None>
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         <nameOfIssuer>ARCLIGHT CLEAN TRANSITION CO</nameOfIssuer>
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         <cusip>G04561109</cusip>
         <value>514</value>
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             <sshPrnamt>46377</sshPrnamt>
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         <nameOfIssuer>ATLASSIAN CORP PLC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>G06242104</cusip>
         <value>7300</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31212</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>917</None>
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         <nameOfIssuer>AXALTA COATING SYS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G0750C108</cusip>
         <value>2787</value>
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             <sshPrnamt>97620</sshPrnamt>
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         <nameOfIssuer>BIOHAVEN PHARMACTL HLDG CO L</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G11196105</cusip>
         <value>56</value>
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             <sshPrnamt>651</sshPrnamt>
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         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
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         <cusip>G1151C101</cusip>
         <value>203334</value>
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             <sshPrnamt>778420</sshPrnamt>
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         <cusip>G16252101</cusip>
         <value>407</value>
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         <value>1208</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BUNGE LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G16962105</cusip>
         <value>5444</value>
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             <sshPrnamt>83020</sshPrnamt>
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         <cusip>G1890L107</cusip>
         <value>68</value>
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             <sshPrnamt>1620</sshPrnamt>
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         <cusip>G2143T103</cusip>
         <value>907</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>CLARIVATE PLC</nameOfIssuer>
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         <cusip>G21810109</cusip>
         <value>2126</value>
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             <sshPrnamt>71552</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CONSOLIDATED WATER CO INC</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G23773107</cusip>
         <value>279</value>
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             <sshPrnamt>23149</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CREDICORP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G2519Y108</cusip>
         <value>4320</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26337</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>COCA COLA EUROPEAN PARTNERS</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G25839104</cusip>
         <value>3496</value>
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             <sshPrnamt>70160</sshPrnamt>
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         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>44303</value>
         <shrsOrPrnAmt>
             <sshPrnamt>368750</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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         <nameOfIssuer>ESSENT GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G3198U102</cusip>
         <value>247</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5714</sshPrnamt>
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         <nameOfIssuer>EVEREST RE GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G3223R108</cusip>
         <value>1228</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5245</sshPrnamt>
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         <nameOfIssuer>HELEN OF TROY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G4388N106</cusip>
         <value>985</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4432</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G4474Y214</cusip>
         <value>1324</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G46188101</cusip>
         <value>9847</value>
         <shrsOrPrnAmt>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G4705A100</cusip>
         <value>10476</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1889</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G47567105</cusip>
         <value>32280</value>
         <shrsOrPrnAmt>
             <sshPrnamt>359346</sshPrnamt>
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         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G4863A108</cusip>
         <value>1937</value>
         <shrsOrPrnAmt>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G491BT108</cusip>
         <value>1780</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G50744104</cusip>
         <value>153</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11424</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G50871105</cusip>
         <value>1986</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12032</sshPrnamt>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>15921</value>
         <shrsOrPrnAmt>
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             <None>6393</None>
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         <titleOfClass>SHS A</titleOfClass>
         <cusip>G54050102</cusip>
         <value>1890</value>
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         <titleOfClass>SHS CL C</titleOfClass>
         <cusip>G5480U120</cusip>
         <value>372</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G5494J103</cusip>
         <value>171422</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G5509L101</cusip>
         <value>266</value>
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         <titleOfClass>ORD</titleOfClass>
         <cusip>G5876H105</cusip>
         <value>9592</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>198411</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>G59665102</cusip>
         <value>223</value>
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             <sshPrnamt>14735</sshPrnamt>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>14842</value>
         <shrsOrPrnAmt>
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         <titleOfClass>USD ORD SHS</titleOfClass>
         <cusip>G6564A105</cusip>
         <value>884</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
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         <value>564</value>
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         <value>1170</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>733</value>
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         <cusip>G7945M107</cusip>
         <value>29603</value>
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         <cusip>G7S00T104</cusip>
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         <value>386</value>
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         <cusip>G85158106</cusip>
         <value>1209</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>G87110105</cusip>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
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         <cusip>G9078F107</cusip>
         <value>284</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G9087Q102</cusip>
         <value>1582</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G9108L173</cusip>
         <value>627</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G9456A100</cusip>
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         <nameOfIssuer>WHITE MTNS INS GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G9618E107</cusip>
         <value>2075</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>2850</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G97822103</cusip>
         <value>799</value>
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         <cusip>H01301128</cusip>
         <value>31788</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
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         <titleOfClass>NAMEN AKT</titleOfClass>
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         <value>1948</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>H2906T109</cusip>
         <value>2637</value>
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         <cusip>H42097107</cusip>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>H50430232</cusip>
         <value>4507</value>
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         <cusip>H84989104</cusip>
         <value>42027</value>
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         <cusip>H8817H100</cusip>
         <value>567</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>L44385109</cusip>
         <value>8181</value>
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         <cusip>L6673X107</cusip>
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         <cusip>L8681T102</cusip>
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         <value>532</value>
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         <cusip>M22465104</cusip>
         <value>825</value>
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         <cusip>M2682V108</cusip>
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         <cusip>M3760D101</cusip>
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         <titleOfClass>SHS</titleOfClass>
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         <cusip>N20944109</cusip>
         <value>116</value>
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         <nameOfIssuer>FERRARI N V</nameOfIssuer>
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         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
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         <value>88</value>
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         <value>295</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>P73684113</cusip>
         <value>77</value>
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         <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>V7780T103</cusip>
         <value>4306</value>
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             <sshPrnamt>57652</sshPrnamt>
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         <nameOfIssuer>ARDMORE SHIPPING CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>Y0207T100</cusip>
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         <cusip>Y0436Q109</cusip>
         <value>132</value>
         <shrsOrPrnAmt>
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         <cusip>Y1771G102</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>Y2066G104</cusip>
         <value>809</value>
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         <cusip>Y2573F102</cusip>
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         <nameOfIssuer>GASLOG PARTNERS LP</nameOfIssuer>
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         <value>102</value>
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         <nameOfIssuer>GOLAR LNG PARTNERS LP</nameOfIssuer>
         <titleOfClass>COM UNIT LPI</titleOfClass>
         <cusip>Y2745C102</cusip>
         <value>479</value>
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         <nameOfIssuer>HOEGH LNG PARTNERS LP</nameOfIssuer>
         <titleOfClass>COM UNIT LTD</titleOfClass>
         <cusip>Y3262R100</cusip>
         <value>714</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>600</None>
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         <nameOfIssuer>NAVIGATOR HLDGS LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>Y62132108</cusip>
         <value>1032</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>17450</None>
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     <infoTable>
         <nameOfIssuer>SCORPIO TANKERS INC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>Y7542C130</cusip>
         <value>1305</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1179</None>
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     <infoTable>
         <nameOfIssuer>STAR BULK CARRIERS CORP.</nameOfIssuer>
         <titleOfClass>SHS PAR</titleOfClass>
         <cusip>Y8162K204</cusip>
         <value>42</value>
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         <nameOfIssuer>TEEKAY LNG PARTNERS L P</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
         <cusip>00206R102</cusip>
         <value>2671</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>AFFILIATED MANAGERS GROUP IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>008252108</cusip>
         <value>52</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>7</value>
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         <cusip>01609W102</cusip>
         <value>340</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>315616102</cusip>
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         <value>48</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>337932107</cusip>
         <value>148</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>33829M101</cusip>
         <value>4</value>
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         <nameOfIssuer>FOMENTO ECONOMICO MEXICANO S</nameOfIssuer>
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         <cusip>344419106</cusip>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>118</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
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             <None>0</None>
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         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
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             <Sole>44</Sole>
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             <None>0</None>
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         <nameOfIssuer>SEAGATE TECHNOLOGY PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7945M107</cusip>
         <value>136</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2194</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
         <votingAuthority>
             <Sole>532</Sole>
             <Shared>0</Shared>
             <None>1662</None>
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         <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>108</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
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             <Sole>108</Sole>
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             <None>0</None>
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         <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
         <titleOfClass>REG SHS</titleOfClass>
         <cusip>H84989104</cusip>
         <value>617</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
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             <None>920</None>
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         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
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             <Sole>0</Sole>
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             <None>5</None>
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         <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
         <titleOfClass>SHS - A -</titleOfClass>
         <cusip>N53745100</cusip>
         <value>563</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6141</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
         <votingAuthority>
             <Sole>5020</Sole>
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             <None>1121</None>
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         <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>V7780T103</cusip>
         <value>20</value>
         <shrsOrPrnAmt>
             <sshPrnamt>264</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
         <votingAuthority>
             <Sole>264</Sole>
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             <None>0</None>
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         <nameOfIssuer>ABB LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>000375204</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>165</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>165</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>AFLAC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>001055102</cusip>
         <value>78</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1747</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>947</Sole>
             <Shared>0</Shared>
             <None>800</None>
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         <nameOfIssuer>AGNC INVT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00123Q104</cusip>
         <value>207</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13250</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12945</Sole>
             <Shared>0</Shared>
             <None>305</None>
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         <nameOfIssuer>AES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00130H105</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>251</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>251</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
         <titleOfClass>ALERIAN MLP</titleOfClass>
         <cusip>00162Q452</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>345</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>345</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>AMC NETWORKS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>00164V103</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>46</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ASGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00191U102</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>23</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00206R102</cusip>
         <value>1237</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43011</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>41393</Sole>
             <Shared>0</Shared>
             <None>1618</None>
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     <infoTable>
         <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>002824100</cusip>
         <value>6577</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60066</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>50349</Sole>
             <Shared>0</Shared>
             <None>9717</None>
         </votingAuthority>
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         <nameOfIssuer>ABBVIE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00287Y109</cusip>
         <value>1657</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15468</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12633</Sole>
             <Shared>0</Shared>
             <None>2835</None>
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     <infoTable>
         <nameOfIssuer>ABERDEEN STD SILVER ETF TR</nameOfIssuer>
         <titleOfClass>PHYSCL SILVR SHS</titleOfClass>
         <cusip>003264108</cusip>
         <value>378</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14810</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>14469</Sole>
             <Shared>0</Shared>
             <None>341</None>
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     <infoTable>
         <nameOfIssuer>ACTIVISION BLIZZARD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00507V109</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>39</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ACUSHNET HOLDINGS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>005098108</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10</Sole>
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             <None>0</None>
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         <nameOfIssuer>ADOBE SYSTEMS INCORPORATED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00724F101</cusip>
         <value>579</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1158</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1149</Sole>
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             <None>9</None>
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     <infoTable>
         <nameOfIssuer>ADVANCE AUTO PARTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00751Y106</cusip>
         <value>22</value>
         <shrsOrPrnAmt>
             <sshPrnamt>140</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>140</Sole>
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             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>AFFILIATED MANAGERS GROUP IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>008252108</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>88</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>88</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>AIR PRODS &amp; CHEMS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>009158106</cusip>
         <value>364</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1332</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1187</Sole>
             <Shared>0</Shared>
             <None>145</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>AKAMAI TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00971T101</cusip>
         <value>37</value>
         <shrsOrPrnAmt>
             <sshPrnamt>351</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>351</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ALASKA AIR GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>011659109</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>219</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>219</Sole>
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             <None>0</None>
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         <nameOfIssuer>ALEXION PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>015351109</cusip>
         <value>27</value>
         <shrsOrPrnAmt>
             <sshPrnamt>172</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>172</Sole>
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             <None>0</None>
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         <nameOfIssuer>ALIBABA GROUP HLDG LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>01609W102</cusip>
         <value>1693</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7276</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5921</Sole>
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             <None>1355</None>
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         <nameOfIssuer>ALIGN TECHNOLOGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>016255101</cusip>
         <value>90</value>
         <shrsOrPrnAmt>
             <sshPrnamt>169</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>169</Sole>
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             <None>0</None>
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         <nameOfIssuer>ALLEGHANY CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>017175100</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>4</Sole>
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             <None>0</None>
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         <nameOfIssuer>ALLISON TRANSMISSION HLDGS I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>01973R101</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>284</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>284</Sole>
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             <None>0</None>
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         <nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>020002101</cusip>
         <value>54</value>
         <shrsOrPrnAmt>
             <sshPrnamt>488</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>38</None>
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         <nameOfIssuer>ALPHABET INC</nameOfIssuer>
         <titleOfClass>CAP STK CL C</titleOfClass>
         <cusip>02079K107</cusip>
         <value>1806</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1031</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <titleOfClass>CAP STK CL A</titleOfClass>
         <cusip>02079K305</cusip>
         <value>1420</value>
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             <sshPrnamt>810</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>791</Sole>
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             <None>19</None>
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     <infoTable>
         <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>02209S103</cusip>
         <value>2326</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56744</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>47203</Sole>
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             <None>9541</None>
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         <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>023135106</cusip>
         <value>6318</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1940</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1862</Sole>
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             <None>78</None>
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         <nameOfIssuer>AMEDISYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>023436108</cusip>
         <value>58</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
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         <value>229</value>
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         <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA</nameOfIssuer>
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         <value>816</value>
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         <cusip>062540109</cusip>
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         <value>57</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>067901108</cusip>
         <value>121</value>
         <shrsOrPrnAmt>
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         <titleOfClass>COM</titleOfClass>
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         <value>4</value>
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         <nameOfIssuer>BEIGENE LTD</nameOfIssuer>
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         <cusip>07725L102</cusip>
         <value>1</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
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         <cusip>084670108</cusip>
         <value>696</value>
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         <value>19</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>099406100</cusip>
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         <titleOfClass>CL A</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1510</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>303250104</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FASTLY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>31188V100</cusip>
         <value>35</value>
         <shrsOrPrnAmt>
             <sshPrnamt>400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FASTENAL CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>311900104</cusip>
         <value>56</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1142</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1142</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FEDERAL SIGNAL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>313855108</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>42</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FEDEX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31428X106</cusip>
         <value>166</value>
         <shrsOrPrnAmt>
             <sshPrnamt>640</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>565</Sole>
             <Shared>0</Shared>
             <None>75</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31620M106</cusip>
         <value>301</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2124</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1644</Sole>
             <Shared>0</Shared>
             <None>480</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>
         <titleOfClass>FNF GROUP COM</titleOfClass>
         <cusip>31620R303</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>409</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>409</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>316773100</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>385</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>385</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIREEYE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31816Q101</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>120</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>120</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST AMERN FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31847R102</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>103</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>50</Sole>
             <Shared>0</Shared>
             <None>53</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST HORIZON CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>320517105</cusip>
         <value>120</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9436</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9221</Sole>
             <Shared>0</Shared>
             <None>215</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST REP BK SAN FRANCISCO C</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33616C100</cusip>
         <value>59</value>
         <shrsOrPrnAmt>
             <sshPrnamt>401</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>370</Sole>
             <Shared>0</Shared>
             <None>31</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MORNINGSTAR DIVID L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>336917109</cusip>
         <value>51</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1709</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1709</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>45</value>
         <shrsOrPrnAmt>
             <sshPrnamt>384</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>384</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>1013</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15014</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15014</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>86</value>
         <shrsOrPrnAmt>
             <sshPrnamt>509</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>509</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>191</value>
         <shrsOrPrnAmt>
             <sshPrnamt>899</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>899</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337344105</cusip>
         <value>189</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1869</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1869</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>33734H106</cusip>
         <value>11954</value>
         <shrsOrPrnAmt>
             <sshPrnamt>340864</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>338950</Sole>
             <Shared>0</Shared>
             <None>1914</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>HLTH CARE ALPH</titleOfClass>
         <cusip>33734X143</cusip>
         <value>92</value>
         <shrsOrPrnAmt>
             <sshPrnamt>851</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>851</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>20</value>
         <shrsOrPrnAmt>
             <sshPrnamt>693</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>693</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>256</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11696</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11696</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR SML CP CORE ALPHA F</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33734Y109</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>137</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>137</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MID CAP CORE ALPHAD</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735B108</cusip>
         <value>20</value>
         <shrsOrPrnAmt>
             <sshPrnamt>244</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>244</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>DEV MRK EX US</titleOfClass>
         <cusip>33737J174</cusip>
         <value>28</value>
         <shrsOrPrnAmt>
             <sshPrnamt>495</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>495</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EMERG MKT ALPH</titleOfClass>
         <cusip>33737J182</cusip>
         <value>89</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3537</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3537</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR ENERGY INFRASTRCTR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738C103</cusip>
         <value>34</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3268</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3268</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>97</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4644</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4644</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>39</value>
         <shrsOrPrnAmt>
             <sshPrnamt>813</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>813</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>95</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1960</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1960</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>141</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2858</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2858</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>487</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12191</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12191</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>579</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28665</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>27265</Sole>
             <Shared>0</Shared>
             <None>1400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FST LOW OPPT EFT</titleOfClass>
         <cusip>33739Q200</cusip>
         <value>32</value>
         <shrsOrPrnAmt>
             <sshPrnamt>624</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>624</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>327</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5447</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5447</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>EQUITYCOMPASS</titleOfClass>
         <cusip>33740F607</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>530</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>530</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>EQTCOMPAS TACT</titleOfClass>
         <cusip>33740F706</cusip>
         <value>18</value>
         <shrsOrPrnAmt>
             <sshPrnamt>985</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>985</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>TCW OPPORTUNIS</titleOfClass>
         <cusip>33740F805</cusip>
         <value>146</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2664</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
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         <cusip>33740F870</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>492</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>492</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>98</Sole>
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             <None>26</None>
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     <infoTable>
         <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337932107</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>127</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>127</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIVE BELOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33829M101</cusip>
         <value>41</value>
         <shrsOrPrnAmt>
             <sshPrnamt>235</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>235</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIVE9 INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338307101</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>339041105</cusip>
         <value>25</value>
         <shrsOrPrnAmt>
             <sshPrnamt>90</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FLOOR &amp; DECOR HLDGS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>339750101</cusip>
         <value>16</value>
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             <sshPrnamt>170</sshPrnamt>
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             <Sole>170</Sole>
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             <None>0</None>
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         <nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>343412102</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>98</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>98</Sole>
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             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>FLOWERS FOODS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>343498101</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
             <sshPrnamt>600</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>600</Sole>
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             <None>0</None>
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         <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>345370860</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>500</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FORMFACTOR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>346375108</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>67</Sole>
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             <None>0</None>
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         <nameOfIssuer>FORTINET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959E109</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>22</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959J108</cusip>
         <value>64</value>
         <shrsOrPrnAmt>
             <sshPrnamt>900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>3</otherManager>
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             <Sole>800</Sole>
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             <None>100</None>
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     <infoTable>
         <nameOfIssuer>FOX CORP</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>35137L105</cusip>
         <value>52</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1771</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1612</Sole>
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             <None>159</None>
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     <infoTable>
         <nameOfIssuer>FRANCO NEV CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>351858105</cusip>
         <value>133</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1061</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>33</Sole>
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             <None>1028</None>
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     <infoTable>
         <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
         <titleOfClass>FTSE UNTD KGDM</titleOfClass>
         <cusip>35473P678</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>236</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>236</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
         <titleOfClass>FTSE JAPAN ETF</titleOfClass>
         <cusip>35473P744</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>220</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>220</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>35671D857</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>461</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>461</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FRESHPET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>358039105</cusip>
         <value>15</value>
         <shrsOrPrnAmt>
             <sshPrnamt>109</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>109</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>G III APPAREL GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>36237H101</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>61</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GALAPAGOS NV</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>36315X101</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>9</Sole>
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             <None>0</None>
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         <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>363576109</cusip>
         <value>663</value>
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             <sshPrnamt>5360</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>500</None>
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         <nameOfIssuer>GARTNER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>366651107</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>17</None>
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     <infoTable>
         <nameOfIssuer>GENERAC HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>368736104</cusip>
         <value>18</value>
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     <infoTable>
         <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>369550108</cusip>
         <value>178</value>
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             <sshPrnamt>1195</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>5</None>
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     <infoTable>
         <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>369604103</cusip>
         <value>606</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56084</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>370334104</cusip>
         <value>169</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2873</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>346</None>
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         <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>37045V100</cusip>
         <value>57</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>GENTEX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>371901109</cusip>
         <value>31</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GENMAB A/S</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>372303206</cusip>
         <value>8</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>372460105</cusip>
         <value>140</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>7</None>
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     <infoTable>
         <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>375558103</cusip>
         <value>480</value>
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         <cusip>37733W105</cusip>
         <value>187</value>
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     <infoTable>
         <nameOfIssuer>GLOBAL BLOOD THERAPEUTICS IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>37890U108</cusip>
         <value>8</value>
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             <sshPrnamt>186</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>186</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>37940X102</cusip>
         <value>55</value>
         <shrsOrPrnAmt>
             <sshPrnamt>254</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>75</None>
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     <infoTable>
         <nameOfIssuer>GLOBE LIFE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>37959E102</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>24</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GODADDY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>380237107</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>32</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>38141G104</cusip>
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             <None>0</None>
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         <nameOfIssuer>HUNTINGTON INGALLS INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>446413106</cusip>
         <value>20</value>
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             <sshPrnamt>115</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>81</Sole>
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             <None>34</None>
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     <infoTable>
         <nameOfIssuer>HUNTSMAN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>447011107</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>165</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>67</Sole>
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             <None>98</None>
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     <infoTable>
         <nameOfIssuer>HUTCHISON CHINA MEDITECH LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>44842L103</cusip>
         <value>1</value>
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             <sshPrnamt>23</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>23</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>IAC INTERACTIVECORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>44891N109</cusip>
         <value>63</value>
         <shrsOrPrnAmt>
             <sshPrnamt>335</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>335</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>IAA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>449253103</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>19</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>IDEX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45167R104</cusip>
         <value>373</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1871</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1871</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>IDEXX LABS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45168D104</cusip>
         <value>38</value>
         <shrsOrPrnAmt>
             <sshPrnamt>76</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>76</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>452308109</cusip>
         <value>1276</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6259</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5981</Sole>
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             <None>278</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ILLUMINA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>452327109</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>52</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>IMMUNOGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45253H101</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>74</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>74</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INGERSOLL RAND INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45687V106</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>150</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>29</Sole>
             <Shared>0</Shared>
             <None>121</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INGREDION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>457187102</cusip>
         <value>296</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3766</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3682</Sole>
             <Shared>0</Shared>
             <None>84</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INSIGHT ENTERPRISES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45765U103</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>33</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INPHI CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45772F107</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
             <sshPrnamt>89</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>89</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INSPIRE MED SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>457730109</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>22</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INSPERITY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45778Q107</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>27</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INSULET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45784P101</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>74</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>74</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INTEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>458140100</cusip>
         <value>410</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8229</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>7229</Sole>
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             <None>1000</None>
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     <infoTable>
         <nameOfIssuer>INTER PARFUMS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>458334109</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>29</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>45841N107</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>91</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>91</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45866F104</cusip>
         <value>199</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1727</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1477</Sole>
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             <None>250</None>
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     <infoTable>
         <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>459200101</cusip>
         <value>716</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5688</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>4970</Sole>
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             <None>718</None>
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     <infoTable>
         <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>459506101</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>150</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>50</Sole>
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             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>460146103</cusip>
         <value>604</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12146</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12024</Sole>
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             <None>122</None>
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     <infoTable>
         <nameOfIssuer>INTERPUBLIC GROUP COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>460690100</cusip>
         <value>82</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3479</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3479</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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         <cusip>46090E103</cusip>
         <value>4621</value>
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             <sshPrnamt>14729</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>12004</Sole>
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             <None>2725</None>
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     <infoTable>
         <nameOfIssuer>INTUIT</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>461202103</cusip>
         <value>177</value>
         <shrsOrPrnAmt>
             <sshPrnamt>466</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>386</Sole>
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             <None>80</None>
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     <infoTable>
         <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>46120E602</cusip>
         <value>139</value>
         <shrsOrPrnAmt>
             <sshPrnamt>170</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>120</Sole>
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             <None>50</None>
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     <infoTable>
         <nameOfIssuer>INVESCO MUN TR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46131J103</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>408</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>408</None>
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     <infoTable>
         <nameOfIssuer>INVESCO TR INVT GRADE MUNS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46131M106</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>396</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>396</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO MUN OPPORTUNITY TR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46132C107</cusip>
         <value>2</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>147</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO QUALITY MUN INCOME T</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46133G107</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>166</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>166</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>WILDERHIL CLAN</titleOfClass>
         <cusip>46137V134</cusip>
         <value>560</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5418</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>5418</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
         <cusip>46137V357</cusip>
         <value>5172</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40550</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>40550</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>NASDAQ INTERNT</titleOfClass>
         <cusip>46137V530</cusip>
         <value>398</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1743</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1743</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>FINL PFD ETF</titleOfClass>
         <cusip>46137V621</cusip>
         <value>869</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45246</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>17207</Sole>
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             <None>28039</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>DYNMC SOFTWARE</titleOfClass>
         <cusip>46137V639</cusip>
         <value>445</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2896</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2896</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>DYNMC SEMICNDT</titleOfClass>
         <cusip>46137V647</cusip>
         <value>476</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4534</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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     <infoTable>
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     <infoTable>
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         <cusip>464287606</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>536797103</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>463</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>540424108</cusip>
         <value>21</value>
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             <sshPrnamt>476</sshPrnamt>
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         <nameOfIssuer>LOUISIANA PAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>546347105</cusip>
         <value>2</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>LULULEMON ATHLETICA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>LUMENTUM HLDGS INC</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <value>36</value>
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             <sshPrnamt>281</sshPrnamt>
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         <nameOfIssuer>MGIC INVT CORP WIS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>552848103</cusip>
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         <nameOfIssuer>MKS INSTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>55306N104</cusip>
         <value>17</value>
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         <nameOfIssuer>MSA SAFETY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>863</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>65</value>
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         <nameOfIssuer>MACOM TECH SOLUTIONS HLDGS I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>3</value>
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         <nameOfIssuer>MADDEN STEVEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>556269108</cusip>
         <value>3</value>
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         <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>56585A102</cusip>
         <value>2</value>
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         <nameOfIssuer>MARKEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>570535104</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>MARSH &amp; MCLENNAN COS INC</nameOfIssuer>
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         <value>39</value>
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         <nameOfIssuer>MARRIOTT INTL INC NEW</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
         <cusip>574795100</cusip>
         <value>6</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
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         <cusip>59522J103</cusip>
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         <cusip>60855R100</cusip>
         <value>17</value>
         <shrsOrPrnAmt>
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         <cusip>609207105</cusip>
         <value>2547</value>
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         <cusip>60937P106</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>29</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>61174X109</cusip>
         <value>32</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>615369105</cusip>
         <value>2</value>
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         <cusip>617446448</cusip>
         <value>360</value>
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         <cusip>62914V106</cusip>
         <value>5</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>49</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>631103108</cusip>
         <value>371</value>
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             <None>0</None>
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         <nameOfIssuer>NATIONAL FUEL GAS CO N J</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>636180101</cusip>
         <value>29</value>
         <shrsOrPrnAmt>
             <sshPrnamt>700</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>400</None>
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         <nameOfIssuer>NATIONAL GRID PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR NE</titleOfClass>
         <cusip>636274409</cusip>
         <value>48</value>
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         <nameOfIssuer>NATIONAL INSTRS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>636518102</cusip>
         <value>22</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>637071101</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>NATIONAL RETAIL PROPERTIES I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>637417106</cusip>
         <value>97</value>
         <shrsOrPrnAmt>
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         <otherManager>3</otherManager>
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         <nameOfIssuer>NATIONAL VISION HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>63845R107</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52</sshPrnamt>
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         <otherManager>3</otherManager>
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         <nameOfIssuer>NEOGEN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>640491106</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>153</sshPrnamt>
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         <otherManager>3</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>64110D104</cusip>
         <value>685</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>111</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>64110L106</cusip>
         <value>163</value>
         <shrsOrPrnAmt>
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         <value>2</value>
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         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>647581107</cusip>
         <value>57</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>651639106</cusip>
         <value>268</value>
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         <otherManager>3</otherManager>
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         <cusip>65336K103</cusip>
         <value>2</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>65339F101</cusip>
         <value>2814</value>
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         <cusip>654106103</cusip>
         <value>1467</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>65473P105</cusip>
         <value>4</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>655663102</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>655844108</cusip>
         <value>43</value>
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         <otherManager>3</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>665859104</cusip>
         <value>15</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>666807102</cusip>
         <value>14</value>
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         <titleOfClass>COM NEW</titleOfClass>
         <cusip>66987E206</cusip>
         <value>12</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>66987V109</cusip>
         <value>350</value>
         <shrsOrPrnAmt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>67000B104</cusip>
         <value>2</value>
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         <cusip>670100205</cusip>
         <value>8</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>67011P100</cusip>
         <value>2</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>NUANCE COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67020Y100</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>670346105</cusip>
         <value>2</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>67059N108</cusip>
         <value>10</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <sshPrnamt>5547</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5241</Sole>
             <Shared>0</Shared>
             <None>306</None>
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     <infoTable>
         <nameOfIssuer>REDFIN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75737F108</cusip>
         <value>57</value>
         <shrsOrPrnAmt>
             <sshPrnamt>825</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>180</Sole>
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             <None>645</None>
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     <infoTable>
         <nameOfIssuer>REGENCY CTRS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>758849103</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>98</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>98</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75886F107</cusip>
         <value>145</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>300</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>759351604</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37</sshPrnamt>
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         <nameOfIssuer>RELX PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>759530108</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <nameOfIssuer>RENEWABLE ENERGY GROUP INC</nameOfIssuer>
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         <cusip>75972A301</cusip>
         <value>2</value>
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             <sshPrnamt>29</sshPrnamt>
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             <Sole>29</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>REPLIGEN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>759916109</cusip>
         <value>34</value>
         <shrsOrPrnAmt>
             <sshPrnamt>175</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>45</Sole>
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             <None>130</None>
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     <infoTable>
         <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>760759100</cusip>
         <value>426</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4427</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>4427</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>REVOLVE GROUP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>76156B107</cusip>
         <value>211</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6765</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>6240</Sole>
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             <None>525</None>
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         <nameOfIssuer>RINGCENTRAL INC</nameOfIssuer>
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         <cusip>76680R206</cusip>
         <value>31</value>
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             <sshPrnamt>81</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>81</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>767204100</cusip>
         <value>60</value>
         <shrsOrPrnAmt>
             <sshPrnamt>798</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>798</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>RITCHIE BROS AUCTIONEERS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>767744105</cusip>
         <value>52</value>
         <shrsOrPrnAmt>
             <sshPrnamt>742</sshPrnamt>
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         <otherManager>3</otherManager>
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             <Sole>742</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>773903109</cusip>
         <value>15</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>3</otherManager>
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             <Sole>60</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ROKU INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>77543R102</cusip>
         <value>28</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>85</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ROLLINS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>775711104</cusip>
         <value>50</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1274</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1274</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>776696106</cusip>
         <value>288</value>
         <shrsOrPrnAmt>
             <sshPrnamt>669</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>549</Sole>
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             <None>120</None>
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     <infoTable>
         <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>778296103</cusip>
         <value>26</value>
         <shrsOrPrnAmt>
             <sshPrnamt>210</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>72</Sole>
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             <None>138</None>
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     <infoTable>
         <nameOfIssuer>ROYAL DUTCH SHELL PLC</nameOfIssuer>
         <titleOfClass>SPON ADR B</titleOfClass>
         <cusip>780259107</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>175</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>175</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ROYCE VALUE TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>780910105</cusip>
         <value>160</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9921</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>230</None>
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     <infoTable>
         <nameOfIssuer>RYANAIR HOLDINGS PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>783513203</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
         <value>130</value>
         <shrsOrPrnAmt>
             <sshPrnamt>394</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>369</Sole>
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             <None>25</None>
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     <infoTable>
         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>78410G104</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>21</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SEI INVTS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>784117103</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>235</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
         <titleOfClass>TR UNIT</titleOfClass>
         <cusip>78462F103</cusip>
         <value>2488</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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     <infoTable>
         <nameOfIssuer>SPS COMMERCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78463M107</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>1689</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9471</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>2656</None>
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     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
         <cusip>78463X889</cusip>
         <value>71</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>46</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 600 SMCP GRW</titleOfClass>
         <cusip>78464A201</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
         <cusip>78464A300</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>167</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLMBRG BRC CNVRT</titleOfClass>
         <cusip>78464A359</cusip>
         <value>17</value>
         <shrsOrPrnAmt>
             <sshPrnamt>207</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
         <cusip>78464A409</cusip>
         <value>133</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2398</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2337</Sole>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
         <cusip>78464A508</cusip>
         <value>131</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3796</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>101</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>DJ REIT ETF</titleOfClass>
         <cusip>78464A607</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>109</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
         <cusip>78464A664</cusip>
         <value>193</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4275</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4041</Sole>
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             <None>234</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
         <cusip>78464A763</cusip>
         <value>112</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1055</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1055</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP GRW</titleOfClass>
         <cusip>78464A821</cusip>
         <value>31</value>
         <shrsOrPrnAmt>
             <sshPrnamt>445</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>445</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
         <cusip>78464A839</cusip>
         <value>197</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3545</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3545</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P BIOTECH</titleOfClass>
         <cusip>78464A870</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>60</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78467J100</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>73</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>34</Sole>
             <Shared>0</Shared>
             <None>39</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
         <titleOfClass>UT SER 1</titleOfClass>
         <cusip>78467X109</cusip>
         <value>306</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BRC MUNIC</titleOfClass>
         <cusip>78468R721</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>461</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>391</Sole>
             <Shared>0</Shared>
             <None>70</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SR</titleOfClass>
         <cusip>78468R739</cusip>
         <value>53</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1064</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>784</Sole>
             <Shared>0</Shared>
             <None>280</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SVB FINANCIAL GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78486Q101</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>30</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SVMK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78489X103</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>376</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>76</Sole>
             <Shared>0</Shared>
             <None>300</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAIA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78709Y105</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>1984</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8916</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7700</Sole>
             <Shared>0</Shared>
             <None>1216</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANFILIPPO JOHN B &amp; SON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>800422107</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>16</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANOFI</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>80105N105</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>146</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>37</Sole>
             <Shared>0</Shared>
             <None>109</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>33</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAREPTA THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>803607100</cusip>
         <value>17</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806407102</cusip>
         <value>30</value>
         <shrsOrPrnAmt>
             <sshPrnamt>454</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>454</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806857108</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>300</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>123</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2322</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2189</Sole>
             <Shared>0</Shared>
             <None>133</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US BRD MKT ETF</titleOfClass>
         <cusip>808524102</cusip>
         <value>42</value>
         <shrsOrPrnAmt>
             <sshPrnamt>459</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>459</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>228</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2510</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2510</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>46</value>
         <shrsOrPrnAmt>
             <sshPrnamt>672</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>672</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>40</value>
         <shrsOrPrnAmt>
             <sshPrnamt>444</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>444</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
         <cusip>808524706</cusip>
         <value>25</value>
         <shrsOrPrnAmt>
             <sshPrnamt>815</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>815</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>56</value>
         <shrsOrPrnAmt>
             <sshPrnamt>880</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>880</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>80</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2235</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2235</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US AGGREGATE B</titleOfClass>
         <cusip>808524839</cusip>
         <value>32</value>
         <shrsOrPrnAmt>
             <sshPrnamt>570</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>570</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTRM TRM TRES</titleOfClass>
         <cusip>808524854</cusip>
         <value>352</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6050</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5722</Sole>
             <Shared>0</Shared>
             <None>328</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>94</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1826</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1719</Sole>
             <Shared>0</Shared>
             <None>107</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCOTTS MIRACLE GRO CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>810186106</cusip>
         <value>25</value>
         <shrsOrPrnAmt>
             <sshPrnamt>127</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>127</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>632</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3176</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3061</Sole>
             <Shared>0</Shared>
             <None>115</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81181C104</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>139</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>139</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>36</value>
         <shrsOrPrnAmt>
             <sshPrnamt>495</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>471</Sole>
             <Shared>0</Shared>
             <None>24</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>100</value>
         <shrsOrPrnAmt>
             <sshPrnamt>879</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>837</Sole>
             <Shared>0</Shared>
             <None>42</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>60</value>
         <shrsOrPrnAmt>
             <sshPrnamt>885</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>843</Sole>
             <Shared>0</Shared>
             <None>42</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>106</value>
         <shrsOrPrnAmt>
             <sshPrnamt>660</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>629</Sole>
             <Shared>0</Shared>
             <None>31</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>29</value>
         <shrsOrPrnAmt>
             <sshPrnamt>768</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>541</Sole>
             <Shared>0</Shared>
             <None>227</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-FINL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>101</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3434</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3270</Sole>
             <Shared>0</Shared>
             <None>164</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>73</value>
         <shrsOrPrnAmt>
             <sshPrnamt>825</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>786</Sole>
             <Shared>0</Shared>
             <None>39</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>83</value>
         <shrsOrPrnAmt>
             <sshPrnamt>636</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>606</Sole>
             <Shared>0</Shared>
             <None>30</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>393</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5818</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1040</Sole>
             <Shared>0</Shared>
             <None>4778</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
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         <nameOfIssuer>SHAKE SHACK INC</nameOfIssuer>
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         <nameOfIssuer>SIGNATURE BK NEW YORK N Y</nameOfIssuer>
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         <value>18</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>2</value>
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         <value>30</value>
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         <nameOfIssuer>SIMULATIONS PLUS INC</nameOfIssuer>
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         <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
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         <value>14</value>
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         <nameOfIssuer>SIXTH STREET SPECIALTY LENDN</nameOfIssuer>
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         <value>4</value>
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         <value>2</value>
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     <infoTable>
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         <value>3</value>
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         <value>21</value>
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         <cusip>832696405</cusip>
         <value>185</value>
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         <value>1</value>
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         <cusip>854502101</cusip>
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         <cusip>855244109</cusip>
         <value>1356</value>
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             <sshPrnamt>574</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>574</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>858119100</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>229</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>55</Sole>
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             <None>174</None>
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     <infoTable>
         <nameOfIssuer>STERLING BANCORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>85917A100</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>389</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>389</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>STMICROELECTRONICS N V</nameOfIssuer>
         <titleOfClass>NY REGISTRY</titleOfClass>
         <cusip>861012102</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>30</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>STORE CAP CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>862121100</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>0</Sole>
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             <None>46</None>
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     <infoTable>
         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
         <value>1077</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4394</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>4052</Sole>
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             <None>342</None>
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         <nameOfIssuer>SUN CMNTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>866674104</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>19</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SUNCOR ENERGY INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>867224107</cusip>
         <value>196</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11704</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>9300</Sole>
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             <None>2404</None>
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         <nameOfIssuer>SUNRUN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>86771W105</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>175</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>175</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SWITCH INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>87105L104</cusip>
         <value>103</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6315</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5215</Sole>
             <Shared>0</Shared>
             <None>1100</None>
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     <infoTable>
         <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871607107</cusip>
         <value>46</value>
         <shrsOrPrnAmt>
             <sshPrnamt>178</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>178</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>SYSCO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871829107</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
             <sshPrnamt>195</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>173</Sole>
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             <None>22</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TCF FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872307103</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>50</None>
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     <infoTable>
         <nameOfIssuer>TFI INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87241L109</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>19</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872540109</cusip>
         <value>359</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5251</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4018</Sole>
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             <None>1233</None>
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     <infoTable>
         <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872590104</cusip>
         <value>454</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3367</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3367</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>874039100</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>112</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>112</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>874054109</cusip>
         <value>438</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2108</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1958</Sole>
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             <None>150</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TARGET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612E106</cusip>
         <value>47</value>
         <shrsOrPrnAmt>
             <sshPrnamt>268</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>268</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TC ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87807B107</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <None>200</None>
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     <infoTable>
         <nameOfIssuer>TELADOC HEALTH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87918A105</cusip>
         <value>78</value>
         <shrsOrPrnAmt>
             <sshPrnamt>391</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>371</Sole>
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             <None>20</None>
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     <infoTable>
         <nameOfIssuer>TELEFLEX INCORPORATED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>879369106</cusip>
         <value>27</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>65</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TELUS CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87971M103</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TERADYNE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>880770102</cusip>
         <value>17</value>
         <shrsOrPrnAmt>
             <sshPrnamt>144</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>144</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TESLA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88160R101</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>4</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TETRA TECH INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88162G103</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>34</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>882508104</cusip>
         <value>1761</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10731</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>10706</Sole>
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             <None>25</None>
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     <infoTable>
         <nameOfIssuer>TEXAS PAC LD TR</nameOfIssuer>
         <titleOfClass>SUB CTF PROP I T</titleOfClass>
         <cusip>882610108</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>6</None>
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     <infoTable>
         <nameOfIssuer>TEXAS ROADHOUSE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>882681109</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>22</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TEXTRON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>883203101</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>62</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>62</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>THE TRADE DESK INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>88339J105</cusip>
         <value>92</value>
         <shrsOrPrnAmt>
             <sshPrnamt>115</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>115</Sole>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>883556102</cusip>
         <value>2537</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5448</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5212</Sole>
             <Shared>0</Shared>
             <None>236</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THOR INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>885160101</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>108</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>108</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>3M CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88579Y101</cusip>
         <value>891</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5098</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5070</Sole>
             <Shared>0</Shared>
             <None>28</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TOPBUILD CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89055F103</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>50</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TORO CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>891092108</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>46</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TORTOISE ENERGY INFRA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89147L886</cusip>
         <value>26</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1315</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>639</Sole>
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             <None>676</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TOTAL SE</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>89151E109</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>55</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>892356106</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>4639</Sole>
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             <None>200</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>1241</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24769</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>24149</Sole>
             <Shared>0</Shared>
             <None>620</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EUROPE ETF</titleOfClass>
         <cusip>922042874</cusip>
         <value>146</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2431</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2431</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>39</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>604</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7257</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7041</Sole>
             <Shared>0</Shared>
             <None>216</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>131</value>
         <shrsOrPrnAmt>
             <sshPrnamt>830</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>830</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000VAL</titleOfClass>
         <cusip>92206C714</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>MORTG-BACK SEC</titleOfClass>
         <cusip>92206C771</cusip>
         <value>450</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8327</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7870</Sole>
             <Shared>0</Shared>
             <None>457</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
         <value>387</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3981</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3655</Sole>
             <Shared>0</Shared>
             <None>326</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>922475108</cusip>
         <value>174</value>
         <shrsOrPrnAmt>
             <sshPrnamt>638</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>638</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VENTAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92276F100</cusip>
         <value>17</value>
         <shrsOrPrnAmt>
             <sshPrnamt>343</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>343</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>16511</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48036</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>45952</Sole>
             <Shared>0</Shared>
             <None>2084</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>468</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3936</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3825</Sole>
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             <None>111</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>426</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2007</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1931</Sole>
             <Shared>0</Shared>
             <None>76</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>47</value>
         <shrsOrPrnAmt>
             <sshPrnamt>549</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>518</Sole>
             <Shared>0</Shared>
             <None>31</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>107</value>
         <shrsOrPrnAmt>
             <sshPrnamt>750</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>750</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>91</value>
         <shrsOrPrnAmt>
             <sshPrnamt>438</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>438</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>50</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>198</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1019</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1019</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>33</value>
         <shrsOrPrnAmt>
             <sshPrnamt>170</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>170</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VERISIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343E102</cusip>
         <value>22</value>
         <shrsOrPrnAmt>
             <sshPrnamt>102</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>102</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>1204</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20498</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>19547</Sole>
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             <None>951</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>48</value>
         <shrsOrPrnAmt>
             <sshPrnamt>229</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>229</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92532F100</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>35</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VIAVI SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925550105</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>115</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>115</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIACOMCBS INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>92556H206</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>313</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>313</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VIATRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>35</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1890</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1266</Sole>
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             <None>624</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925652109</cusip>
         <value>39</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1538</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1538</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIRGIN GALACTIC HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92766K106</cusip>
         <value>91</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3845</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3665</Sole>
             <Shared>0</Shared>
             <None>180</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>2248</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10278</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9591</Sole>
             <Shared>0</Shared>
             <None>687</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISTRA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92840M102</cusip>
         <value>17</value>
         <shrsOrPrnAmt>
             <sshPrnamt>861</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>861</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VMWARE INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>928563402</cusip>
         <value>25</value>
         <shrsOrPrnAmt>
             <sshPrnamt>176</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>156</Sole>
             <Shared>0</Shared>
             <None>20</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VONTIER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>928881101</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>40</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929160109</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WD-40 CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929236107</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>36</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92939U106</cusip>
         <value>32</value>
         <shrsOrPrnAmt>
             <sshPrnamt>353</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>353</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WABTEC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929740108</cusip>
         <value>23</value>
         <shrsOrPrnAmt>
             <sshPrnamt>316</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>316</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WALMART INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931142103</cusip>
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             <sshPrnamt>72</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>17</Sole>
             <Shared>0</Shared>
             <None>55</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CLARIVATE PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G21810109</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>96</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>96</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>COCA COLA EUROPEAN PARTNERS</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G25839104</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>50</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>537</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4469</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4388</Sole>
             <Shared>0</Shared>
             <None>81</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EVEREST RE GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G3223R108</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>10</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HELEN OF TROY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G4388N106</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G46188101</cusip>
         <value>239</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3272</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3207</Sole>
             <Shared>0</Shared>
             <None>65</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ICON PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G4705A100</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>33</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>IHS MARKIT LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G47567105</cusip>
         <value>108</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1204</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1204</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G491BT108</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>400</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G50871105</cusip>
         <value>17</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>17</value>
         <shrsOrPrnAmt>
             <sshPrnamt>367</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>232</Sole>
             <Shared>0</Shared>
             <None>135</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5494J103</cusip>
         <value>971</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3686</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3642</Sole>
             <Shared>0</Shared>
             <None>44</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MARVELL TECHNOLOGY GROUP LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G5876H105</cusip>
         <value>239</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5022</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4907</Sole>
             <Shared>0</Shared>
             <None>115</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>1370</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11694</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11004</Sole>
             <Shared>0</Shared>
             <None>690</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>49</value>
         <shrsOrPrnAmt>
             <sshPrnamt>373</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>373</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGATE TECHNOLOGY PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7945M107</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>179</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>179</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>26</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8060N102</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>173</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>173</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STERIS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G8473T100</cusip>
         <value>313</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1650</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1280</Sole>
             <Shared>0</Shared>
             <None>370</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STONECO LTD</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>G85158106</cusip>
         <value>28</value>
         <shrsOrPrnAmt>
             <sshPrnamt>331</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>331</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>27</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WHITE MTNS INS GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G9618E107</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>105</value>
         <shrsOrPrnAmt>
             <sshPrnamt>500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>32</value>
         <shrsOrPrnAmt>
             <sshPrnamt>489</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>343</Sole>
             <Shared>0</Shared>
             <None>146</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>211</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1373</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1321</Sole>
             <Shared>0</Shared>
             <None>52</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GARMIN LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H2906T109</cusip>
         <value>18</value>
         <shrsOrPrnAmt>
             <sshPrnamt>150</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>150</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H42097107</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>144</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>144</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
         <titleOfClass>REG SHS</titleOfClass>
         <cusip>H84989104</cusip>
         <value>234</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1930</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1787</Sole>
             <Shared>0</Shared>
             <None>143</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GLOBANT S A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>L44385109</cusip>
         <value>60</value>
         <shrsOrPrnAmt>
             <sshPrnamt>276</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>276</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>41</value>
         <shrsOrPrnAmt>
             <sshPrnamt>130</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>55</Sole>
             <Shared>0</Shared>
             <None>75</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>69</value>
         <shrsOrPrnAmt>
             <sshPrnamt>142</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>142</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CNH INDL N V</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N20944109</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>191</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>191</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
         <titleOfClass>SHS - A -</titleOfClass>
         <cusip>N53745100</cusip>
         <value>56</value>
         <shrsOrPrnAmt>
             <sshPrnamt>613</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>613</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>28</value>
         <shrsOrPrnAmt>
             <sshPrnamt>174</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>174</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>V7780T103</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEX LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>Y2573F102</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>704</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>704</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STAR BULK CARRIERS CORP.</nameOfIssuer>
         <titleOfClass>SHS PAR</titleOfClass>
         <cusip>Y8162K204</cusip>
         <value>118</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13318</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13011</Sole>
             <Shared>0</Shared>
             <None>307</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ABB LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>000375204</cusip>
         <value>1429</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51125</sshPrnamt>
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         <cusip>05964H105</cusip>
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             <None>70078</None>
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         <nameOfIssuer>BK OF AMERICA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>060505104</cusip>
         <value>68235</value>
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             <None>946920</None>
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         <nameOfIssuer>BANK FIRST CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>06211J100</cusip>
         <value>1538</value>
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             <sshPrnamt>23728</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>23728</None>
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         <nameOfIssuer>BANK HAWAII CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>062540109</cusip>
         <value>691</value>
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             <None>8821</None>
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         <nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>063671101</cusip>
         <value>552</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>2560</None>
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         <nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>064058100</cusip>
         <value>5993</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>90601</None>
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         <nameOfIssuer>BANK NOVA SCOTIA B C</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>064149107</cusip>
         <value>108</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>4</otherManager>
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             <None>0</None>
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         <nameOfIssuer>BANNER CORP</nameOfIssuer>
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         <cusip>06652V208</cusip>
         <value>3734</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80142</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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         <cusip>06738E204</cusip>
         <value>238</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>4340</Sole>
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             <None>25431</None>
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         <nameOfIssuer>BARINGS PARTN INVS</nameOfIssuer>
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         <cusip>06761A103</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>750</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>4</otherManager>
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             <None>750</None>
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         <nameOfIssuer>BARRICK GOLD CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>067901108</cusip>
         <value>35</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1524</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>1524</Sole>
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             <None>0</None>
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         <nameOfIssuer>BAXTER INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>071813109</cusip>
         <value>2102</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26194</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>16415</Sole>
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             <None>9779</None>
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         <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>075887109</cusip>
         <value>46265</value>
         <shrsOrPrnAmt>
             <sshPrnamt>184898</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>67712</None>
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         <nameOfIssuer>BEIGENE LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>07725L102</cusip>
         <value>1265</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4894</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>3961</None>
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         <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
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         <cusip>084670108</cusip>
         <value>44173</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>9</None>
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     <infoTable>
         <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
         <titleOfClass>CL B NEW</titleOfClass>
         <cusip>084670702</cusip>
         <value>28228</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>76658</Sole>
             <Shared>0</Shared>
             <None>45081</None>
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     <infoTable>
         <nameOfIssuer>BEST BUY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>086516101</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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         <nameOfIssuer>BHP GROUP LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>088606108</cusip>
         <value>492</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7535</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>314</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>08862E109</cusip>
         <value>5450</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43599</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>34897</None>
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         <nameOfIssuer>BILIBILI INC</nameOfIssuer>
         <titleOfClass>NOTE 1.375% 4/0</titleOfClass>
         <cusip>090040AB2</cusip>
         <value>49</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14000</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>BIOCRYST PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09058V103</cusip>
         <value>15211</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>09061G101</cusip>
         <value>907</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>10147</None>
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         <cusip>09062X103</cusip>
         <value>570</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1240</None>
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         <nameOfIssuer>BIONTECH SE</nameOfIssuer>
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         <cusip>09075V102</cusip>
         <value>228</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2800</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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         <nameOfIssuer>BLACK KNIGHT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09215C105</cusip>
         <value>1502</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>17000</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
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         <cusip>09239BAB5</cusip>
         <value>34</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18000</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>0</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>09247X101</cusip>
         <value>6460</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8953</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>3419</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK MUN INCOME TR</nameOfIssuer>
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         <cusip>09248F109</cusip>
         <value>31</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>2000</None>
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     <infoTable>
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         <cusip>09248X100</cusip>
         <value>67</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>2500</None>
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         <nameOfIssuer>BLACKROCK CORE BD TR</nameOfIssuer>
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         <cusip>09249E101</cusip>
         <value>48</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2942</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Shared>0</Shared>
             <None>2942</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK CR ALLOCATION INCO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>092508100</cusip>
         <value>453</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30800</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>13300</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK MUNIYIELD QUALITY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09254E103</cusip>
         <value>94</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6537</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Shared>0</Shared>
             <None>6537</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK MUNIYIELD QUALITY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09254G108</cusip>
         <value>70</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5036</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>5036</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK MUNIYIELD CALIF QU</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09254N103</cusip>
         <value>224</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>0</Sole>
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             <None>15000</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK CORPOR HI YLD FD I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09255P107</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>600</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Shared>0</Shared>
             <None>600</None>
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     <infoTable>
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         <cusip>09257D102</cusip>
         <value>15</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>1128</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK MUN TARGET TERM TR</nameOfIssuer>
         <titleOfClass>COM SHS BEN IN</titleOfClass>
         <cusip>09257P105</cusip>
         <value>154</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6000</sshPrnamt>
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         <cusip>46132X101</cusip>
         <value>28</value>
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         <titleOfClass>WILDERHIL CLAN</titleOfClass>
         <cusip>46137V134</cusip>
         <value>781</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7550</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1750</Sole>
             <Shared>0</Shared>
             <None>5800</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>WATER RES ETF</titleOfClass>
         <cusip>46137V142</cusip>
         <value>235</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5060</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1060</Sole>
             <Shared>0</Shared>
             <None>4000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P MDCP400 PR</titleOfClass>
         <cusip>46137V217</cusip>
         <value>81</value>
         <shrsOrPrnAmt>
             <sshPrnamt>400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P500 EQL TEC</titleOfClass>
         <cusip>46137V282</cusip>
         <value>201</value>
         <shrsOrPrnAmt>
             <sshPrnamt>792</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>792</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>4486</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35172</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>32413</Sole>
             <Shared>0</Shared>
             <None>2759</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>CLEANTECH ETF</titleOfClass>
         <cusip>46137V407</cusip>
         <value>3473</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46221</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9604</Sole>
             <Shared>0</Shared>
             <None>36617</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>INTL DIVI ACHI</titleOfClass>
         <cusip>46137V548</cusip>
         <value>15</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>FTSE RAFI 1500</titleOfClass>
         <cusip>46137V597</cusip>
         <value>85</value>
         <shrsOrPrnAmt>
             <sshPrnamt>565</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>565</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>FTSE RAFI 1000</titleOfClass>
         <cusip>46137V613</cusip>
         <value>107</value>
         <shrsOrPrnAmt>
             <sshPrnamt>800</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>800</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>88</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2924</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2924</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>S&amp;P500 LOW VOL</titleOfClass>
         <cusip>46138E354</cusip>
         <value>200</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3562</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1106</Sole>
             <Shared>0</Shared>
             <None>2456</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>PFD ETF</titleOfClass>
         <cusip>46138E511</cusip>
         <value>252</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>16500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>NATL AMT MUNI</titleOfClass>
         <cusip>46138E537</cusip>
         <value>54</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>GLOBAL WATER</titleOfClass>
         <cusip>46138E651</cusip>
         <value>489</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13991</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3825</Sole>
             <Shared>0</Shared>
             <None>10166</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>FNDMNTL HY CRP</titleOfClass>
         <cusip>46138E719</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>585</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>585</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>SR LN ETF</titleOfClass>
         <cusip>46138G508</cusip>
         <value>76</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3409</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>3409</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>SOLAR ETF</titleOfClass>
         <cusip>46138G706</cusip>
         <value>1324</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12881</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7495</Sole>
             <Shared>0</Shared>
             <None>5386</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>VAR RATE PFD</titleOfClass>
         <cusip>46138G870</cusip>
         <value>39</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
         <titleOfClass>BULSHS 2021 CB</titleOfClass>
         <cusip>46138J700</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>740</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>740</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
         <titleOfClass>BULSHS 2023 CB</titleOfClass>
         <cusip>46138J866</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>340</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>340</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
         <titleOfClass>BULSHS 2022 CB</titleOfClass>
         <cusip>46138J882</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>740</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>740</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVITAE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46185L103</cusip>
         <value>60</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1440</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1440</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVITATION HOMES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46187W107</cusip>
         <value>1066</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35885</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>35730</Sole>
             <Shared>0</Shared>
             <None>155</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>IOVANCE BIOTHERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>462260100</cusip>
         <value>1417</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30540</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>30540</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>IQVIA HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46266C105</cusip>
         <value>59341</value>
         <shrsOrPrnAmt>
             <sshPrnamt>331202</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>209838</Sole>
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             <None>121364</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>IQIYI INC</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>46267X108</cusip>
         <value>87</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5000</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>IROBOT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>462726100</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>15</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>IRON MTN INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46284V101</cusip>
         <value>83</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2809</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>2809</None>
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     <infoTable>
         <nameOfIssuer>ISHARES GOLD TRUST</nameOfIssuer>
         <titleOfClass>ISHARES</titleOfClass>
         <cusip>464285105</cusip>
         <value>234</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12884</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6920</Sole>
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             <None>5964</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES INC</nameOfIssuer>
         <titleOfClass>EM MKTS DIV ETF</titleOfClass>
         <cusip>464286319</cusip>
         <value>2661</value>
         <shrsOrPrnAmt>
             <sshPrnamt>71488</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>634</Sole>
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             <None>70854</None>
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     <infoTable>
         <nameOfIssuer>ISHARES INC</nameOfIssuer>
         <titleOfClass>MSCI CDA ETF</titleOfClass>
         <cusip>464286509</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>527</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>527</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES INC</nameOfIssuer>
         <titleOfClass>MSCI GBL MIN VOL</titleOfClass>
         <cusip>464286525</cusip>
         <value>81</value>
         <shrsOrPrnAmt>
             <sshPrnamt>837</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>837</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES INC</nameOfIssuer>
         <titleOfClass>MSCI EMERG MRKT</titleOfClass>
         <cusip>464286533</cusip>
         <value>268</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4386</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4386</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>S&amp;P 100 ETF</titleOfClass>
         <cusip>464287101</cusip>
         <value>51</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>300</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
         <cusip>464287150</cusip>
         <value>676</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7838</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2625</Sole>
             <Shared>0</Shared>
             <None>5213</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>SELECT DIVID ETF</titleOfClass>
         <cusip>464287168</cusip>
         <value>1258</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13079</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8926</Sole>
             <Shared>0</Shared>
             <None>4153</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>TIPS BD ETF</titleOfClass>
         <cusip>464287176</cusip>
         <value>679</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5319</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2226</Sole>
             <Shared>0</Shared>
             <None>3093</None>
         </votingAuthority>
     </infoTable>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>IBOXX HI YD ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>MSCI KLD400 SOC</titleOfClass>
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     <infoTable>
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         <titleOfClass>MBS ETF</titleOfClass>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>RUS TP200 GR ETF</titleOfClass>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>0-5 YR TIPS ETF</titleOfClass>
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             <None>2900</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MSCI USA QLT FCT</titleOfClass>
         <cusip>46432F339</cusip>
         <value>251</value>
         <shrsOrPrnAmt>
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             <None>138</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MSCI USA MMENTM</titleOfClass>
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         <nameOfIssuer>MADISON SQUARE GRDN SPRT COR</nameOfIssuer>
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             <None>8675</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>2142</value>
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             <None>842</None>
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         <cusip>654106103</cusip>
         <value>18718</value>
         <shrsOrPrnAmt>
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         <titleOfClass>COM</titleOfClass>
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         <value>138</value>
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         <value>6</value>
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         <titleOfClass>COM</titleOfClass>
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             <None>8690</None>
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         <titleOfClass>COM</titleOfClass>
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             <None>200</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>8874</value>
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             <None>7490</None>
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         <cusip>668074305</cusip>
         <value>117</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>118</value>
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             <None>2500</None>
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         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>66987V109</cusip>
         <value>8003</value>
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             <None>55487</None>
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         <titleOfClass>COM NEW</titleOfClass>
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         <cusip>670100205</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>670346105</cusip>
         <value>435</value>
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         <value>56</value>
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         <nameOfIssuer>NUVEEN SELECT MAT MUN FD</nameOfIssuer>
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         <value>1522</value>
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         <nameOfIssuer>NUVEEN CALIF MUN VALUE FD IN</nameOfIssuer>
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         <value>351</value>
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         <nameOfIssuer>NUVEEN CALIFORNIA AMT QLT MU</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>819</value>
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         <nameOfIssuer>NUVEEN NEW YORK AMT QLT MUNI</nameOfIssuer>
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         <cusip>670656107</cusip>
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         <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670657105</cusip>
         <value>68</value>
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             <None>4487</None>
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         <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066V101</cusip>
         <value>34</value>
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         <nameOfIssuer>NUVEEN MUN HIGH INCOME OPPOR</nameOfIssuer>
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         <cusip>670682103</cusip>
         <value>71</value>
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         <cusip>67070X101</cusip>
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             <None>0</None>
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         <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67071L106</cusip>
         <value>307</value>
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             <None>11236</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN FLOATING RATE INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072T108</cusip>
         <value>0</value>
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             <None>0</None>
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         <nameOfIssuer>NUVEEN PFD &amp; INCOME OPPORTUN</nameOfIssuer>
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         <cusip>67073B106</cusip>
         <value>10</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>67077M108</cusip>
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             <None>25169</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670928100</cusip>
         <value>6</value>
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             <None>500</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN PENNSYLVANIA QLT MUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670972108</cusip>
         <value>69</value>
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             <sshPrnamt>4767</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>4767</Sole>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>67103H107</cusip>
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             <None>312</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>2</value>
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             <None>90</None>
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         <cusip>679295105</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>5</None>
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     <infoTable>
         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>679580100</cusip>
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         <cusip>700658107</cusip>
         <value>226</value>
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         <nameOfIssuer>PEBBLEBROOK HOTEL TR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70509V100</cusip>
         <value>167</value>
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         <cusip>706327103</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>70931T103</cusip>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
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         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8161</Sole>
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             <None>2721</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ROLLINS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>775711104</cusip>
         <value>295</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7552</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7552</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>776696106</cusip>
         <value>18781</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43566</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>34541</Sole>
             <Shared>0</Shared>
             <None>9025</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>778296103</cusip>
         <value>53</value>
         <shrsOrPrnAmt>
             <sshPrnamt>433</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>23</Sole>
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             <None>410</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ROYAL BK CDA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>780087102</cusip>
         <value>226</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2750</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>2750</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ROYAL DUTCH SHELL PLC</nameOfIssuer>
         <titleOfClass>SPON ADR B</titleOfClass>
         <cusip>780259107</cusip>
         <value>2288</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68064</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>39060</Sole>
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             <None>29004</None>
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     <infoTable>
         <nameOfIssuer>ROYAL DUTCH SHELL PLC</nameOfIssuer>
         <titleOfClass>SPONS ADR A</titleOfClass>
         <cusip>780259206</cusip>
         <value>6544</value>
         <shrsOrPrnAmt>
             <sshPrnamt>186238</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>113398</Sole>
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             <None>72840</None>
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     <infoTable>
         <nameOfIssuer>RYANAIR HOLDINGS PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>783513203</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>74</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
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             <None>74</None>
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     <infoTable>
         <nameOfIssuer>RYMAN HOSPITALITY PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78377T107</cusip>
         <value>250</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3691</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>1939</Sole>
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             <None>1752</None>
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     <infoTable>
         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
         <value>37540</value>
         <shrsOrPrnAmt>
             <sshPrnamt>114196</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>103973</Sole>
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             <None>10223</None>
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     <infoTable>
         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>78410G104</cusip>
         <value>941</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3336</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3311</Sole>
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             <None>25</None>
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     <infoTable>
         <nameOfIssuer>SEI INVTS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>784117103</cusip>
         <value>283</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4931</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4931</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SJW GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>784305104</cusip>
         <value>80</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1160</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>1160</None>
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     <infoTable>
         <nameOfIssuer>SLM CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78442P106</cusip>
         <value>118</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9550</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3380</Sole>
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             <None>6170</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
         <titleOfClass>TR UNIT</titleOfClass>
         <cusip>78462F103</cusip>
         <value>66803</value>
         <shrsOrPrnAmt>
             <sshPrnamt>178675</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>167281</Sole>
             <Shared>0</Shared>
             <None>11394</None>
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     <infoTable>
         <nameOfIssuer>SPX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>784635104</cusip>
         <value>22</value>
         <shrsOrPrnAmt>
             <sshPrnamt>409</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>409</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>4385</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24587</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22871</Sole>
             <Shared>0</Shared>
             <None>1716</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>PORTFOLIO EMG MK</titleOfClass>
         <cusip>78463X509</cusip>
         <value>25</value>
         <shrsOrPrnAmt>
             <sshPrnamt>591</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>591</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>S&amp;P EM MKT DIV</titleOfClass>
         <cusip>78463X533</cusip>
         <value>959</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34516</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>34516</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>S&amp;P EMKTSC ETF</titleOfClass>
         <cusip>78463X756</cusip>
         <value>182</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3532</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>3532</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>S&amp;P INTL ETF</titleOfClass>
         <cusip>78463X772</cusip>
         <value>2273</value>
         <shrsOrPrnAmt>
             <sshPrnamt>62169</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>694</Sole>
             <Shared>0</Shared>
             <None>61475</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NYSE TECH ETF</titleOfClass>
         <cusip>78464A102</cusip>
         <value>31</value>
         <shrsOrPrnAmt>
             <sshPrnamt>219</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>219</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 600 SMCP GRW</titleOfClass>
         <cusip>78464A201</cusip>
         <value>35</value>
         <shrsOrPrnAmt>
             <sshPrnamt>460</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>460</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLMBRG BRC CNVRT</titleOfClass>
         <cusip>78464A359</cusip>
         <value>333</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4026</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>4026</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
         <cusip>78464A375</cusip>
         <value>18</value>
         <shrsOrPrnAmt>
             <sshPrnamt>491</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>376</Sole>
             <Shared>0</Shared>
             <None>115</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
         <cusip>78464A409</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
             <sshPrnamt>245</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>245</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO SHORT</titleOfClass>
         <cusip>78464A474</cusip>
         <value>95</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3035</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>515</Sole>
             <Shared>0</Shared>
             <None>2520</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>DJ REIT ETF</titleOfClass>
         <cusip>78464A607</cusip>
         <value>71</value>
         <shrsOrPrnAmt>
             <sshPrnamt>824</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>660</Sole>
             <Shared>0</Shared>
             <None>164</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
         <cusip>78464A763</cusip>
         <value>286</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2703</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2703</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 600 SML CAP</titleOfClass>
         <cusip>78464A813</cusip>
         <value>1475</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18549</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15009</Sole>
             <Shared>0</Shared>
             <None>3540</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP GRW</titleOfClass>
         <cusip>78464A821</cusip>
         <value>731</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10547</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10547</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
         <cusip>78464A839</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>160</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>160</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>
         <cusip>78464A854</cusip>
         <value>63</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1423</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1423</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P SEMICNDCTR</titleOfClass>
         <cusip>78464A862</cusip>
         <value>35</value>
         <shrsOrPrnAmt>
             <sshPrnamt>207</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>207</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P BIOTECH</titleOfClass>
         <cusip>78464A870</cusip>
         <value>6803</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48327</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1401</Sole>
             <Shared>0</Shared>
             <None>46926</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78467J100</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>5</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
         <titleOfClass>UT SER 1</titleOfClass>
         <cusip>78467X109</cusip>
         <value>843</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2756</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2755</Sole>
             <Shared>0</Shared>
             <None>1</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
         <cusip>78467Y107</cusip>
         <value>4870</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11597</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5860</Sole>
             <Shared>0</Shared>
             <None>5737</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG SRT TR</titleOfClass>
         <cusip>78468R408</cusip>
         <value>17</value>
         <shrsOrPrnAmt>
             <sshPrnamt>628</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>628</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG BRCLYS</titleOfClass>
         <cusip>78468R622</cusip>
         <value>45</value>
         <shrsOrPrnAmt>
             <sshPrnamt>416</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>415</Sole>
             <Shared>0</Shared>
             <None>1</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>SPDR BLOOMBERG</titleOfClass>
         <cusip>78468R663</cusip>
         <value>150</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1635</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1585</Sole>
             <Shared>0</Shared>
             <None>50</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BRC MUNIC</titleOfClass>
         <cusip>78468R721</cusip>
         <value>150</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2864</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2413</Sole>
             <Shared>0</Shared>
             <None>451</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SR</titleOfClass>
         <cusip>78468R739</cusip>
         <value>50</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>SPDR S&amp;P 500 ETF</titleOfClass>
         <cusip>78468R796</cusip>
         <value>167</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1793</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>85</Sole>
             <Shared>0</Shared>
             <None>1708</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SVB FINANCIAL GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78486Q101</cusip>
         <value>11695</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30155</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>29638</Sole>
             <Shared>0</Shared>
             <None>517</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SABRA HEALTH CARE REIT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78573L106</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>166</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>166</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAFETY INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78648T100</cusip>
         <value>963</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12366</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5494</Sole>
             <Shared>0</Shared>
             <None>6872</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>107206</value>
         <shrsOrPrnAmt>
             <sshPrnamt>481762</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>344043</Sole>
             <Shared>0</Shared>
             <None>137719</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANOFI</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>80105N105</cusip>
         <value>532</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10954</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5712</Sole>
             <Shared>0</Shared>
             <None>5242</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>5919</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45394</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7418</Sole>
             <Shared>0</Shared>
             <None>37976</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAREPTA THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>803607100</cusip>
         <value>236</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1385</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1380</Sole>
             <Shared>0</Shared>
             <None>5</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAUL CTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>804395101</cusip>
         <value>250</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7891</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7891</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806407102</cusip>
         <value>258</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3860</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3860</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806857108</cusip>
         <value>1569</value>
         <shrsOrPrnAmt>
             <sshPrnamt>71893</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>49603</Sole>
             <Shared>0</Shared>
             <None>22290</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>33789</value>
         <shrsOrPrnAmt>
             <sshPrnamt>637053</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>254289</Sole>
             <Shared>0</Shared>
             <None>382764</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US BRD MKT ETF</titleOfClass>
         <cusip>808524102</cusip>
         <value>131</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1435</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1435</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LRG CAP ETF</titleOfClass>
         <cusip>808524201</cusip>
         <value>3019</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33192</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>32466</Sole>
             <Shared>0</Shared>
             <None>726</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LCAP VA ETF</titleOfClass>
         <cusip>808524409</cusip>
         <value>36</value>
         <shrsOrPrnAmt>
             <sshPrnamt>613</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>613</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>3650</value>
         <shrsOrPrnAmt>
             <sshPrnamt>53532</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9269</Sole>
             <Shared>0</Shared>
             <None>44263</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US SML CAP ETF</titleOfClass>
         <cusip>808524607</cusip>
         <value>3191</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35854</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8002</Sole>
             <Shared>0</Shared>
             <None>27852</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
         <cusip>808524706</cusip>
         <value>3501</value>
         <shrsOrPrnAmt>
             <sshPrnamt>114223</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>114223</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SCHWB FDT INT SC</titleOfClass>
         <cusip>808524748</cusip>
         <value>35</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
             <sshPrnamt>220</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>220</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>1010</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28049</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3742</Sole>
             <Shared>0</Shared>
             <None>24307</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US AGGREGATE B</titleOfClass>
         <cusip>808524839</cusip>
         <value>101</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1807</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1807</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US REIT ETF</titleOfClass>
         <cusip>808524847</cusip>
         <value>53</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1394</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>301</Sole>
             <Shared>0</Shared>
             <None>1093</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>321</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>321</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US TIPS ETF</titleOfClass>
         <cusip>808524870</cusip>
         <value>170</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2731</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2731</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL SCEQT ETF</titleOfClass>
         <cusip>808524888</cusip>
         <value>5165</value>
         <shrsOrPrnAmt>
             <sshPrnamt>137174</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>137174</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCOTTS MIRACLE GRO CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>810186106</cusip>
         <value>80</value>
         <shrsOrPrnAmt>
             <sshPrnamt>400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>400</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCRIPPS E W CO OHIO</nameOfIssuer>
         <titleOfClass>CL A NEW</titleOfClass>
         <cusip>811054402</cusip>
         <value>48</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3166</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2500</Sole>
             <Shared>0</Shared>
             <None>666</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>3062</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15383</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11278</Sole>
             <Shared>0</Shared>
             <None>4105</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81181C104</cusip>
         <value>4831</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27582</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>27407</Sole>
             <Shared>0</Shared>
             <None>175</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>1153</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10165</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9114</Sole>
             <Shared>0</Shared>
             <None>1051</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>34</value>
         <shrsOrPrnAmt>
             <sshPrnamt>497</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>197</Sole>
             <Shared>0</Shared>
             <None>300</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>614</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3819</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3092</Sole>
             <Shared>0</Shared>
             <None>727</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>443</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11691</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>983</Sole>
             <Shared>0</Shared>
             <None>10708</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-FINL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>1160</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39333</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>19740</Sole>
             <Shared>0</Shared>
             <None>19593</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>522</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5893</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4698</Sole>
             <Shared>0</Shared>
             <None>1195</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>780</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5996</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4354</Sole>
             <Shared>0</Shared>
             <None>1642</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>146</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2171</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2171</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>127</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3480</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3228</Sole>
             <Shared>0</Shared>
             <None>252</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>456</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7270</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7070</Sole>
             <Shared>0</Shared>
             <None>200</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>2099</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16474</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>16115</Sole>
             <Shared>0</Shared>
             <None>359</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSIENT TECHNOLOGIES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81725T100</cusip>
         <value>101</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1375</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>817565104</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>482</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>482</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE PPTYS TR</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>81761L102</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1350</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>960</Sole>
             <Shared>0</Shared>
             <None>390</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>48477</value>
         <shrsOrPrnAmt>
             <sshPrnamt>88071</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>83544</Sole>
             <Shared>0</Shared>
             <None>4527</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVISFIRST BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81768T108</cusip>
         <value>2583</value>
         <shrsOrPrnAmt>
             <sshPrnamt>64108</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>64108</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>38638</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52575</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>28577</Sole>
             <Shared>0</Shared>
             <None>23998</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHINHAN FINANCIAL GROUP CO L</nameOfIssuer>
         <titleOfClass>SPN ADR RESTRD</titleOfClass>
         <cusip>824596100</cusip>
         <value>109</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3661</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>915</Sole>
             <Shared>0</Shared>
             <None>2746</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
         <value>50068</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44232</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>44130</Sole>
             <Shared>0</Shared>
             <None>102</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIGNATURE BK NEW YORK N Y</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82669G104</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>30</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SILK RD MED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82710M100</cusip>
         <value>237</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3770</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3770</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SILVERGATE CAP CORP</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82837P408</cusip>
         <value>3864</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>52000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>9731</value>
         <shrsOrPrnAmt>
             <sshPrnamt>114112</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>50688</Sole>
             <Shared>0</Shared>
             <None>63424</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPSON MANUFACTURING CO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>829073105</cusip>
         <value>47</value>
         <shrsOrPrnAmt>
             <sshPrnamt>500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIRIUS XM HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82968B103</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1012</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1012</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982L103</cusip>
         <value>452</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2850</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2850</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SKECHERS U S A INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>830566105</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83088M102</cusip>
         <value>106</value>
         <shrsOrPrnAmt>
             <sshPrnamt>695</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>695</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SLACK TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>83088V102</cusip>
         <value>1479</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35015</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22488</Sole>
             <Shared>0</Shared>
             <None>12527</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMITH &amp; NEPHEW PLC</nameOfIssuer>
         <titleOfClass>SPDN ADR NEW</titleOfClass>
         <cusip>83175M205</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>250</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>250</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMITH A O CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>831865209</cusip>
         <value>77</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1400</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMARTFINANCIAL INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>83190L208</cusip>
         <value>1107</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>61000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>574</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4962</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4062</Sole>
             <Shared>0</Shared>
             <None>900</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>51</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>300</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>83304A106</cusip>
         <value>98</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1952</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1952</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP INC</nameOfIssuer>
         <titleOfClass>NOTE 0.750% 8/0</titleOfClass>
         <cusip>83304AAB2</cusip>
         <value>73</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32000</sshPrnamt>
             <sshPrnamtType>PRN</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>32000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>833445109</cusip>
         <value>124</value>
         <shrsOrPrnAmt>
             <sshPrnamt>442</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>442</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOLAREDGE TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83417M104</cusip>
         <value>81747</value>
         <shrsOrPrnAmt>
             <sshPrnamt>256163</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>178607</Sole>
             <Shared>0</Shared>
             <None>77556</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONOCO PRODS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>835495102</cusip>
         <value>30</value>
         <shrsOrPrnAmt>
             <sshPrnamt>500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONY CORP</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>835699307</cusip>
         <value>2159</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21355</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>16891</Sole>
             <Shared>0</Shared>
             <None>4464</None>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>882508104</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>THE TRADE DESK INC</nameOfIssuer>
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         <nameOfIssuer>THOMSON REUTERS CORP.</nameOfIssuer>
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         <cusip>884903709</cusip>
         <value>287</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>88579Y101</cusip>
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         <cusip>89151E109</cusip>
         <value>1706</value>
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         <cusip>892331307</cusip>
         <value>165</value>
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         <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
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         <cusip>896522109</cusip>
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         <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>TURNING POINT THERAPEUTICS I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>141</value>
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             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>462</Sole>
             <Shared>0</Shared>
             <None>40</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANECK VECTORS ETF TR</nameOfIssuer>
         <titleOfClass>HIGH YLD MUN ETF</titleOfClass>
         <cusip>92189H409</cusip>
         <value>1038</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16859</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8209</Sole>
             <Shared>0</Shared>
             <None>8650</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
         <titleOfClass>DIV APP ETF</titleOfClass>
         <cusip>921908844</cusip>
         <value>816</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5783</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2946</Sole>
             <Shared>0</Shared>
             <None>2837</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
         <titleOfClass>VG TL INTL STK F</titleOfClass>
         <cusip>921909768</cusip>
         <value>1203</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>20000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA GRWTH IND</titleOfClass>
         <cusip>921910816</cusip>
         <value>106</value>
         <shrsOrPrnAmt>
             <sshPrnamt>520</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>520</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA CAP VAL ETF</titleOfClass>
         <cusip>921910840</cusip>
         <value>169</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1945</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>900</Sole>
             <Shared>0</Shared>
             <None>1045</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>LONG TERM BOND</titleOfClass>
         <cusip>921937793</cusip>
         <value>493</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4495</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2684</Sole>
             <Shared>0</Shared>
             <None>1811</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>INTERMED TERM</titleOfClass>
         <cusip>921937819</cusip>
         <value>22680</value>
         <shrsOrPrnAmt>
             <sshPrnamt>244263</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>224752</Sole>
             <Shared>0</Shared>
             <None>19511</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>SHORT TRM BOND</titleOfClass>
         <cusip>921937827</cusip>
         <value>45315</value>
         <shrsOrPrnAmt>
             <sshPrnamt>546618</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>414839</Sole>
             <Shared>0</Shared>
             <None>131779</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>24445</value>
         <shrsOrPrnAmt>
             <sshPrnamt>277184</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>232359</Sole>
             <Shared>0</Shared>
             <None>44825</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
         <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
         <cusip>921943858</cusip>
         <value>47179</value>
         <shrsOrPrnAmt>
             <sshPrnamt>999341</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>752157</Sole>
             <Shared>0</Shared>
             <None>247184</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>2657</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29031</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3716</Sole>
             <Shared>0</Shared>
             <None>25315</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL DVD ETF</titleOfClass>
         <cusip>921946810</cusip>
         <value>33</value>
         <shrsOrPrnAmt>
             <sshPrnamt>400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
         <titleOfClass>STRM INFPROIDX</titleOfClass>
         <cusip>922020805</cusip>
         <value>38</value>
         <shrsOrPrnAmt>
             <sshPrnamt>750</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>750</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
         <titleOfClass>INTL BD IDX ETF</titleOfClass>
         <cusip>92203J407</cusip>
         <value>34</value>
         <shrsOrPrnAmt>
             <sshPrnamt>588</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>109</Sole>
             <Shared>0</Shared>
             <None>479</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>GLB EX US ETF</titleOfClass>
         <cusip>922042676</cusip>
         <value>217</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3988</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3988</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>30277</value>
         <shrsOrPrnAmt>
             <sshPrnamt>248499</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4677</Sole>
             <Shared>0</Shared>
             <None>243822</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>TT WRLD ST ETF</titleOfClass>
         <cusip>922042742</cusip>
         <value>92</value>
         <shrsOrPrnAmt>
             <sshPrnamt>998</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>998</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>ALLWRLD EX US</titleOfClass>
         <cusip>922042775</cusip>
         <value>15527</value>
         <shrsOrPrnAmt>
             <sshPrnamt>266048</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>174306</Sole>
             <Shared>0</Shared>
             <None>91742</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>28976</value>
         <shrsOrPrnAmt>
             <sshPrnamt>578250</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>186393</Sole>
             <Shared>0</Shared>
             <None>391857</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE PACIFIC ETF</titleOfClass>
         <cusip>922042866</cusip>
         <value>7675</value>
         <shrsOrPrnAmt>
             <sshPrnamt>96433</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>65933</Sole>
             <Shared>0</Shared>
             <None>30500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EUROPE ETF</titleOfClass>
         <cusip>922042874</cusip>
         <value>192</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3190</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1674</Sole>
             <Shared>0</Shared>
             <None>1516</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>CONSUM DIS ETF</titleOfClass>
         <cusip>92204A108</cusip>
         <value>13924</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50601</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>150</Sole>
             <Shared>0</Shared>
             <None>50451</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>CONSUM STP ETF</titleOfClass>
         <cusip>92204A207</cusip>
         <value>7117</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40921</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>243</Sole>
             <Shared>0</Shared>
             <None>40678</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
         <value>5598</value>
         <shrsOrPrnAmt>
             <sshPrnamt>107951</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>35559</Sole>
             <Shared>0</Shared>
             <None>72392</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>18347</value>
         <shrsOrPrnAmt>
             <sshPrnamt>251841</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7156</Sole>
             <Shared>0</Shared>
             <None>244685</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
         <value>21958</value>
         <shrsOrPrnAmt>
             <sshPrnamt>98144</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1099</Sole>
             <Shared>0</Shared>
             <None>97045</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>INDUSTRIAL ETF</titleOfClass>
         <cusip>92204A603</cusip>
         <value>11579</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68115</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>704</Sole>
             <Shared>0</Shared>
             <None>67411</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>INF TECH ETF</titleOfClass>
         <cusip>92204A702</cusip>
         <value>44654</value>
         <shrsOrPrnAmt>
             <sshPrnamt>126216</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3513</Sole>
             <Shared>0</Shared>
             <None>122703</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>MATERIALS ETF</titleOfClass>
         <cusip>92204A801</cusip>
         <value>4400</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28031</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>24</Sole>
             <Shared>0</Shared>
             <None>28007</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>UTILITIES ETF</titleOfClass>
         <cusip>92204A876</cusip>
         <value>258</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1883</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>45</Sole>
             <Shared>0</Shared>
             <None>1838</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>COMM SRVC ETF</titleOfClass>
         <cusip>92204A884</cusip>
         <value>16210</value>
         <shrsOrPrnAmt>
             <sshPrnamt>134855</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>450</Sole>
             <Shared>0</Shared>
             <None>134405</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHORT TERM TREAS</titleOfClass>
         <cusip>92206C102</cusip>
         <value>308</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5000</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>331310</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3979704</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>898256</Sole>
             <Shared>0</Shared>
             <None>3081448</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>TOTAL CORP BND</titleOfClass>
         <cusip>92206C573</cusip>
         <value>50</value>
         <shrsOrPrnAmt>
             <sshPrnamt>532</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>532</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>57</value>
         <shrsOrPrnAmt>
             <sshPrnamt>359</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>359</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000GRW</titleOfClass>
         <cusip>92206C680</cusip>
         <value>62</value>
         <shrsOrPrnAmt>
             <sshPrnamt>249</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>249</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INTER TERM TREAS</titleOfClass>
         <cusip>92206C706</cusip>
         <value>46</value>
         <shrsOrPrnAmt>
             <sshPrnamt>665</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>169</Sole>
             <Shared>0</Shared>
             <None>496</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000VAL</titleOfClass>
         <cusip>92206C714</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>158</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>158</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000IDX</titleOfClass>
         <cusip>92206C730</cusip>
         <value>1349</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7701</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7701</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>MORTG-BACK SEC</titleOfClass>
         <cusip>92206C771</cusip>
         <value>3788</value>
         <shrsOrPrnAmt>
             <sshPrnamt>70062</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>61777</Sole>
             <Shared>0</Shared>
             <None>8285</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
         <value>262</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2702</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>172</Sole>
             <Shared>0</Shared>
             <None>2530</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VARIAN MED SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92220P105</cusip>
         <value>133</value>
         <shrsOrPrnAmt>
             <sshPrnamt>758</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>608</Sole>
             <Shared>0</Shared>
             <None>150</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>922475108</cusip>
         <value>8345</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30653</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22304</Sole>
             <Shared>0</Shared>
             <None>8349</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VENTAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92276F100</cusip>
         <value>21</value>
         <shrsOrPrnAmt>
             <sshPrnamt>438</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>124</Sole>
             <Shared>0</Shared>
             <None>314</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
         <titleOfClass>TAX EXEMPT BD</titleOfClass>
         <cusip>922907746</cusip>
         <value>3688</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66815</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>65468</Sole>
             <Shared>0</Shared>
             <None>1347</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>10340</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30084</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>28679</Sole>
             <Shared>0</Shared>
             <None>1405</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>17</value>
         <shrsOrPrnAmt>
             <sshPrnamt>139</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>39</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>504</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2377</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1377</Sole>
             <Shared>0</Shared>
             <None>1000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>14049</value>
         <shrsOrPrnAmt>
             <sshPrnamt>165415</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>53568</Sole>
             <Shared>0</Shared>
             <None>111847</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>8445</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31553</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>31218</Sole>
             <Shared>0</Shared>
             <None>335</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>3411</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23984</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22816</Sole>
             <Shared>0</Shared>
             <None>1168</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>39161</value>
         <shrsOrPrnAmt>
             <sshPrnamt>189395</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2970</Sole>
             <Shared>0</Shared>
             <None>186425</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>LARGE CAP ETF</titleOfClass>
         <cusip>922908637</cusip>
         <value>4622</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26303</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>26168</Sole>
             <Shared>0</Shared>
             <None>135</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>EXTEND MKT ETF</titleOfClass>
         <cusip>922908652</cusip>
         <value>337</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2044</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2044</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>3914</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15265</Sole>
             <Shared>0</Shared>
             <None>185</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>4665</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39217</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>37387</Sole>
             <Shared>0</Shared>
             <None>1830</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>73926</value>
         <shrsOrPrnAmt>
             <sshPrnamt>379731</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>211340</Sole>
             <Shared>0</Shared>
             <None>168391</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>11149</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57283</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>50111</Sole>
             <Shared>0</Shared>
             <None>7172</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343E102</cusip>
         <value>3277</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15145</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>165</Sole>
             <Shared>0</Shared>
             <None>14980</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>32082</value>
         <shrsOrPrnAmt>
             <sshPrnamt>546079</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>293435</Sole>
             <Shared>0</Shared>
             <None>252644</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>40073</value>
         <shrsOrPrnAmt>
             <sshPrnamt>193040</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>130393</Sole>
             <Shared>0</Shared>
             <None>62647</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92532F100</cusip>
         <value>2021</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8550</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6649</Sole>
             <Shared>0</Shared>
             <None>1901</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIACOMCBS INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>92556H206</cusip>
         <value>49</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1312</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>475</Sole>
             <Shared>0</Shared>
             <None>837</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIATRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>1459</value>
         <shrsOrPrnAmt>
             <sshPrnamt>77856</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>47834</Sole>
             <Shared>0</Shared>
             <None>30022</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925652109</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>140</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>140</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIR BIOTECHNOLOGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92764N102</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>50</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>198375</value>
         <shrsOrPrnAmt>
             <sshPrnamt>906939</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>689620</Sole>
             <Shared>0</Shared>
             <None>217319</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VMWARE INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>928563402</cusip>
         <value>272</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1939</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1300</Sole>
             <Shared>0</Shared>
             <None>639</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VODAFONE GROUP PLC NEW</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>92857W308</cusip>
         <value>681</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41304</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>24543</Sole>
             <Shared>0</Shared>
             <None>16761</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VONTIER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>928881101</cusip>
         <value>991</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29674</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>20191</Sole>
             <Shared>0</Shared>
             <None>9483</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VORNADO RLTY TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>929042109</cusip>
         <value>716</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19165</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9851</Sole>
             <Shared>0</Shared>
             <None>9314</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VOYA FINANCIAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929089100</cusip>
         <value>2999</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>51000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929160109</cusip>
         <value>200</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1348</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1348</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WD-40 CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929236107</cusip>
         <value>186</value>
         <shrsOrPrnAmt>
             <sshPrnamt>700</sshPrnamt>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JANUS HENDERSON GROUP PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G4474Y214</cusip>
         <value>31</value>
         <shrsOrPrnAmt>
             <sshPrnamt>943</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>943</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G46188101</cusip>
         <value>21</value>
         <shrsOrPrnAmt>
             <sshPrnamt>285</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>45</Sole>
             <Shared>0</Shared>
             <None>240</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>IHS MARKIT LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G47567105</cusip>
         <value>254</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2829</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>2829</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G491BT108</cusip>
         <value>38</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2200</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G50871105</cusip>
         <value>135</value>
         <shrsOrPrnAmt>
             <sshPrnamt>820</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>270</Sole>
             <Shared>0</Shared>
             <None>550</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>188</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4027</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1187</Sole>
             <Shared>0</Shared>
             <None>2840</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LIBERTY GLOBAL PLC</nameOfIssuer>
         <titleOfClass>SHS CL C</titleOfClass>
         <cusip>G5480U120</cusip>
         <value>40</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1703</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1703</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5494J103</cusip>
         <value>39538</value>
         <shrsOrPrnAmt>
             <sshPrnamt>150043</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>104786</Sole>
             <Shared>0</Shared>
             <None>45257</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MARVELL TECHNOLOGY GROUP LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G5876H105</cusip>
         <value>213</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4482</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1682</Sole>
             <Shared>0</Shared>
             <None>2800</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>10958</value>
         <shrsOrPrnAmt>
             <sshPrnamt>93549</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>48279</Sole>
             <Shared>0</Shared>
             <None>45270</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>142</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1091</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>21</Sole>
             <Shared>0</Shared>
             <None>1070</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
         <value>32</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1250</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1250</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOVOCURE LTD</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G6674U108</cusip>
         <value>17</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>248</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10661</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4064</Sole>
             <Shared>0</Shared>
             <None>6597</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PAGSEGURO DIGITAL LTD</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>G68707101</cusip>
         <value>1883</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33102</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>21638</Sole>
             <Shared>0</Shared>
             <None>11464</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RENAISSANCERE HLDGS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G7496G103</cusip>
         <value>1327</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGATE TECHNOLOGY PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7945M107</cusip>
         <value>164</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2642</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1222</Sole>
             <Shared>0</Shared>
             <None>1420</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>2106</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39663</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>21708</Sole>
             <Shared>0</Shared>
             <None>17955</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8060N102</cusip>
         <value>233</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4413</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>890</Sole>
             <Shared>0</Shared>
             <None>3523</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STERIS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G8473T100</cusip>
         <value>47</value>
         <shrsOrPrnAmt>
             <sshPrnamt>250</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>250</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STONECO LTD</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>G85158106</cusip>
         <value>44</value>
         <shrsOrPrnAmt>
             <sshPrnamt>520</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>20</Sole>
             <Shared>0</Shared>
             <None>500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G87110105</cusip>
         <value>28</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2960</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>2960</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>3603</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24819</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2947</Sole>
             <Shared>0</Shared>
             <None>21872</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WHITE MTNS INS GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G9618E107</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>12</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>210</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3186</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>85</Sole>
             <Shared>0</Shared>
             <None>3101</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>59744</value>
         <shrsOrPrnAmt>
             <sshPrnamt>388152</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>246994</Sole>
             <Shared>0</Shared>
             <None>141158</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CRISPR THERAPEUTICS AG</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>H17182108</cusip>
         <value>624</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4075</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4075</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GARMIN LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H2906T109</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>3</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H42097107</cusip>
         <value>161</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11363</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3787</Sole>
             <Shared>0</Shared>
             <None>7576</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
         <titleOfClass>REG SHS</titleOfClass>
         <cusip>H84989104</cusip>
         <value>180</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1487</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>280</Sole>
             <Shared>0</Shared>
             <None>1207</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRANSOCEAN LTD</nameOfIssuer>
         <titleOfClass>REG SHS</titleOfClass>
         <cusip>H8817H100</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GLOBANT S A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>L44385109</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>86</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>1767</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5616</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4047</Sole>
             <Shared>0</Shared>
             <None>1569</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M22465104</cusip>
         <value>54</value>
         <shrsOrPrnAmt>
             <sshPrnamt>407</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>235</Sole>
             <Shared>0</Shared>
             <None>172</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INMODE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M5425M103</cusip>
         <value>146</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3085</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3085</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WIX COM LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M98068105</cusip>
         <value>274</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1095</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1095</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AERCAP HOLDINGS NV</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N00985106</cusip>
         <value>109</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2395</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>845</Sole>
             <Shared>0</Shared>
             <None>1550</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>5709</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11705</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>343</value>
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             <sshPrnamt>2156</sshPrnamt>
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         <nameOfIssuer>QIAGEN NV</nameOfIssuer>
         <titleOfClass>SHS NEW</titleOfClass>
         <cusip>N72482123</cusip>
         <value>132</value>
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         <cusip>N97284108</cusip>
         <value>1332</value>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>002824100</cusip>
         <value>2224</value>
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         <value>3566</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>907</value>
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             <sshPrnamt>9764</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
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         <value>295</value>
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         <cusip>01609W102</cusip>
         <value>534</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>710</value>
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         <cusip>02209S103</cusip>
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         <value>224</value>
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         <nameOfIssuer>EVERSOURCE ENERGY</nameOfIssuer>
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         <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>FACEBOOK INC</nameOfIssuer>
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         <cusip>30303M102</cusip>
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         <value>1322</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>886</value>
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         <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>FIRST REP BK SAN FRANCISCO C</nameOfIssuer>
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         <cusip>33733B100</cusip>
         <value>437</value>
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         <cusip>33739E108</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>34959E109</cusip>
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         <cusip>34959J108</cusip>
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         <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>369550108</cusip>
         <value>526</value>
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         <cusip>369604103</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>370334104</cusip>
         <value>597</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <value>1046</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
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     <infoTable>
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         <cusip>679295105</cusip>
         <value>628</value>
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         <value>878</value>
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         <value>486</value>
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         <value>591</value>
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         <cusip>693506107</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>693718108</cusip>
         <value>636</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>697435105</cusip>
         <value>855</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>701094104</cusip>
         <value>1934</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>704326107</cusip>
         <value>323</value>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
         <cusip>78464A763</cusip>
         <value>726</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6852</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6305</Sole>
             <Shared>547</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLI S&amp;P1500</titleOfClass>
         <cusip>78464A805</cusip>
         <value>373</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8090</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8090</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>329</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6675</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2245</Sole>
             <Shared>4430</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>2158</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5138</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4813</Sole>
             <Shared>325</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SVB FINANCIAL GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78486Q101</cusip>
         <value>204</value>
         <shrsOrPrnAmt>
             <sshPrnamt>525</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>500</Sole>
             <Shared>25</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>5212</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23422</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>21153</Sole>
             <Shared>1575</Shared>
             <None>694</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SALISBURY BANCORP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>795226109</cusip>
         <value>280</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>250</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1921</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1115</Sole>
             <Shared>0</Shared>
             <None>806</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806857108</cusip>
         <value>254</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11650</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>11550</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>2075</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39112</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>37837</Sole>
             <Shared>1085</Shared>
             <None>190</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>201</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3126</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3126</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTRM TRM TRES</titleOfClass>
         <cusip>808524854</cusip>
         <value>1068</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18351</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>17625</Sole>
             <Shared>726</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>576</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11215</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>11215</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>282</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1755</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1555</Sole>
             <Shared>200</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>317</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8363</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8363</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-FINL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>373</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12642</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>12642</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>888</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10024</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9760</Sole>
             <Shared>264</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>318</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2443</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2132</Sole>
             <Shared>311</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>RL EST SEL SEC</titleOfClass>
         <cusip>81369Y860</cusip>
         <value>1314</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35940</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>35940</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816300107</cusip>
         <value>335</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>800</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6283</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6133</Sole>
             <Shared>150</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>444</value>
         <shrsOrPrnAmt>
             <sshPrnamt>806</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>793</Sole>
             <Shared>13</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>1206</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1641</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1636</Sole>
             <Shared>5</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>355</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3068</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2750</Sole>
             <Shared>300</Shared>
             <None>18</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>227</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1324</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>633</Sole>
             <Shared>691</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>83304A106</cusip>
         <value>256</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5103</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5000</Sole>
             <Shared>103</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOLAREDGE TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83417M104</cusip>
         <value>2083</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6526</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6491</Sole>
             <Shared>0</Shared>
             <None>35</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONY CORP</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>835699307</cusip>
         <value>205</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2026</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1588</Sole>
             <Shared>438</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>842587107</cusip>
         <value>2277</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37064</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>34390</Sole>
             <Shared>2674</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPLUNK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>848637104</cusip>
         <value>489</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2873</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2574</Sole>
             <Shared>299</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SQUARE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>852234103</cusip>
         <value>700</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3216</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2216</Sole>
             <Shared>1000</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
         <value>3840</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35893</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>31022</Sole>
             <Shared>871</Shared>
             <None>4000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STATE STR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>857477103</cusip>
         <value>269</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3692</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3670</Sole>
             <Shared>22</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STERICYCLE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>858912108</cusip>
         <value>340</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4900</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STIFEL FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>860630102</cusip>
         <value>2428</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48112</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>48112</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
         <value>3261</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13307</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9097</Sole>
             <Shared>210</Shared>
             <None>4000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SUMMIT FINL GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>86606G101</cusip>
         <value>208</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9429</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9429</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SWITCH INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>87105L104</cusip>
         <value>185</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11326</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>11326</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
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             <Shared>3780</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>4786</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54265</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>53765</Sole>
             <Shared>500</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
         <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
         <cusip>921943858</cusip>
         <value>9169</value>
         <shrsOrPrnAmt>
             <sshPrnamt>194233</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>181681</Sole>
             <Shared>12552</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>30095</value>
         <shrsOrPrnAmt>
             <sshPrnamt>328871</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>167424</Sole>
             <Shared>161005</Shared>
             <None>442</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>GLB EX US ETF</titleOfClass>
         <cusip>922042676</cusip>
         <value>1748</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32179</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>23236</Sole>
             <Shared>8943</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>ALLWRLD EX US</titleOfClass>
         <cusip>922042775</cusip>
         <value>651</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11155</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>11155</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>3255</value>
         <shrsOrPrnAmt>
             <sshPrnamt>64961</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>60790</Sole>
             <Shared>4171</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
         <value>370</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7152</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6982</Sole>
             <Shared>0</Shared>
             <None>170</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>14494</value>
         <shrsOrPrnAmt>
             <sshPrnamt>174101</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>163397</Sole>
             <Shared>7358</Shared>
             <None>3346</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>260</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1645</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1645</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>MORTG-BACK SEC</titleOfClass>
         <cusip>92206C771</cusip>
         <value>1242</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22969</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>20259</Sole>
             <Shared>752</Shared>
             <None>1958</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
         <value>9306</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95800</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>87486</Sole>
             <Shared>6014</Shared>
             <None>2300</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>922475108</cusip>
         <value>314</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1153</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>189</Sole>
             <Shared>0</Shared>
             <None>964</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>4903</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14266</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>12992</Sole>
             <Shared>1274</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>9604</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80734</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>48351</Sole>
             <Shared>32303</Shared>
             <None>80</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>11490</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54178</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>30038</Sole>
             <Shared>24081</Shared>
             <None>59</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>3442</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40525</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>33452</Sole>
             <Shared>7073</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>5620</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20996</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>12472</Sole>
             <Shared>8507</Shared>
             <None>17</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>4832</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33975</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>21173</Sole>
             <Shared>12776</Shared>
             <None>26</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>1784</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8626</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8110</Sole>
             <Shared>516</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>35763</value>
         <shrsOrPrnAmt>
             <sshPrnamt>141168</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>68890</Sole>
             <Shared>71857</Shared>
             <None>421</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>2144</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18016</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>16965</Sole>
             <Shared>1051</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>3455</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17749</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>16219</Sole>
             <Shared>1211</Shared>
             <None>319</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>849</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4360</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3395</Sole>
             <Shared>0</Shared>
             <None>965</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>6268</value>
         <shrsOrPrnAmt>
             <sshPrnamt>106688</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>86922</Sole>
             <Shared>17460</Shared>
             <None>2306</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>2511</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12096</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7644</Sole>
             <Shared>0</Shared>
             <None>4452</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIAVI SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925550105</cusip>
         <value>217</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14513</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>13689</Sole>
             <Shared>824</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIATRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>290</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15468</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>15368</Sole>
             <Shared>100</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>14099</value>
         <shrsOrPrnAmt>
             <sshPrnamt>64460</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>46950</Sole>
             <Shared>4660</Shared>
             <None>12850</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VMWARE INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>928563402</cusip>
         <value>469</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3340</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>108</Sole>
             <Shared>261</Shared>
             <None>2971</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929160109</cusip>
         <value>2584</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17425</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6524</Sole>
             <Shared>101</Shared>
             <None>10800</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WALMART INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931142103</cusip>
         <value>6609</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45843</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>35855</Sole>
             <Shared>4098</Shared>
             <None>5890</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931427108</cusip>
         <value>363</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9115</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9115</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WASTE CONNECTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106B101</cusip>
         <value>2146</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20915</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4773</Sole>
             <Shared>0</Shared>
             <None>16142</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106L109</cusip>
         <value>1240</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10510</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7349</Sole>
             <Shared>2139</Shared>
             <None>1022</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>949746101</cusip>
         <value>1029</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34115</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>17359</Sole>
             <Shared>1756</Shared>
             <None>15000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>955306105</cusip>
         <value>506</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1787</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1787</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WEYERHAEUSER CO MTN BE</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>962166104</cusip>
         <value>988</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>24826</Sole>
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         <titleOfClass>COM</titleOfClass>
         <cusip>963320106</cusip>
         <value>672</value>
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         <value>315</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>98389B100</cusip>
         <value>248</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>459</value>
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         <value>618</value>
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         <value>1049</value>
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         <value>1223</value>
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         <cusip>G0450A105</cusip>
         <value>474</value>
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         <cusip>G06242104</cusip>
         <value>296</value>
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             <sshPrnamt>1263</sshPrnamt>
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         <nameOfIssuer>AXALTA COATING SYS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G0750C108</cusip>
         <value>205</value>
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             <sshPrnamt>7182</sshPrnamt>
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         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>6155</value>
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         <nameOfIssuer>CLARIVATE PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G21810109</cusip>
         <value>2152</value>
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         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>3856</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32093</sshPrnamt>
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         <nameOfIssuer>IHS MARKIT LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G47567105</cusip>
         <value>452</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5023</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5494J103</cusip>
         <value>4533</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17201</sshPrnamt>
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         <otherManager>5</otherManager>
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         <nameOfIssuer>MARVELL TECHNOLOGY GROUP LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G5876H105</cusip>
         <value>269</value>
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         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>1427</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12185</sshPrnamt>
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         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>591</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>4221</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
         <value>388</value>
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         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>316</value>
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         <nameOfIssuer>FERRARI N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N3167Y103</cusip>
         <value>215</value>
         <shrsOrPrnAmt>
             <sshPrnamt>937</sshPrnamt>
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         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>593</value>
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         <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>002824100</cusip>
         <value>2058</value>
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             <sshPrnamt>18802</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>ADOBE SYSTEMS INCORPORATED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00724F101</cusip>
         <value>4295</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>ADVANCED ENERGY INDS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>007973100</cusip>
         <value>252</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2596</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>011642105</cusip>
         <value>215</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ALBANY INTL CORP</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>012348108</cusip>
         <value>323</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>015351109</cusip>
         <value>203</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1296</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>01609W102</cusip>
         <value>227</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>ALIGN TECHNOLOGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>016255101</cusip>
         <value>1915</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3583</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>CAP STK CL C</titleOfClass>
         <cusip>02079K107</cusip>
         <value>5597</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>3107</Sole>
             <Shared>88</Shared>
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         <nameOfIssuer>ALTRA INDL MOTION CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>02208R106</cusip>
         <value>388</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6991</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>6722</Sole>
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         <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>023135106</cusip>
         <value>6201</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1904</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>1775</Sole>
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         <nameOfIssuer>AMBEV SA</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>02319V103</cusip>
         <value>33</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10661</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <titleOfClass>COM NEW</titleOfClass>
         <cusip>026874784</cusip>
         <value>2120</value>
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             <sshPrnamt>55980</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <value>295</value>
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         <value>966</value>
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         <value>4015</value>
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         <cusip>090672106</cusip>
         <value>426</value>
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             <sshPrnamt>5907</sshPrnamt>
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         <value>389</value>
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         <cusip>099406100</cusip>
         <value>315</value>
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         <value>904</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <value>3274</value>
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         <nameOfIssuer>CMC MATERIALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>CABOT CORP</nameOfIssuer>
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         <value>257</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
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         <value>282</value>
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         <value>2038</value>
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         <value>1074</value>
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         <cusip>20030N101</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>320</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>22002T108</cusip>
         <value>284</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>22160K105</cusip>
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         <value>1684</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>571748102</cusip>
         <value>700</value>
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         <cusip>574599106</cusip>
         <value>262</value>
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         <cusip>57636Q104</cusip>
         <value>3791</value>
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         <nameOfIssuer>MERITAGE HOMES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>59001A102</cusip>
         <value>290</value>
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         <otherManager>6</otherManager>
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         <titleOfClass>COM</titleOfClass>
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         <value>824</value>
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         <otherManager>6</otherManager>
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             <Shared>1166</Shared>
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         <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>1058</value>
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             <sshPrnamt>4758</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3343</Sole>
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         <titleOfClass>COM</titleOfClass>
         <cusip>60855R100</cusip>
         <value>406</value>
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             <sshPrnamt>1907</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>1834</Sole>
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         <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>609207105</cusip>
         <value>1460</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>609839105</cusip>
         <value>792</value>
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         <otherManager>6</otherManager>
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         <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>617446448</cusip>
         <value>985</value>
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         <nameOfIssuer>MYRIAD GENETICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>62855J104</cusip>
         <value>205</value>
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         <nameOfIssuer>NVR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>62944T105</cusip>
         <value>1130</value>
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             <sshPrnamt>277</sshPrnamt>
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         <nameOfIssuer>NV5 GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>62945V109</cusip>
         <value>371</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>630402105</cusip>
         <value>228</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
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         <cusip>66987V109</cusip>
         <value>695</value>
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             <sshPrnamt>7358</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
         <value>2701</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5173</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103H107</cusip>
         <value>529</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>681116109</cusip>
         <value>363</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>417</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
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         <value>1927</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
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         <value>259</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>202</value>
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         <nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>701094104</cusip>
         <value>1251</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PAYLOCITY HLDG CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70438V106</cusip>
         <value>332</value>
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             <sshPrnamt>1613</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70450Y103</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PEBBLEBROOK HOTEL TR</nameOfIssuer>
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         <nameOfIssuer>PEPSICO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>713448108</cusip>
         <value>3706</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>717081103</cusip>
         <value>1138</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <cusip>718172109</cusip>
         <value>413</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <value>297</value>
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         <cusip>742718109</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>74460D109</cusip>
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         <value>335</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>74758T303</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74834L100</cusip>
         <value>206</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>2884</Sole>
             <Shared>115</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
         <value>1760</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24613</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>22484</Sole>
             <Shared>2129</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REALPAGE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75606N109</cusip>
         <value>573</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6567</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>6567</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>759351604</cusip>
         <value>265</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2289</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>2201</Sole>
             <Shared>88</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REPAY HLDGS CORP</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>76029L100</cusip>
         <value>415</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15243</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>15243</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RYDER SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>783549108</cusip>
         <value>263</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4265</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>4100</Sole>
             <Shared>165</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
         <value>1194</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3632</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3632</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>1491</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3988</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>2717</Sole>
             <Shared>1271</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPS COMMERCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78463M107</cusip>
         <value>406</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3740</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3740</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SR</titleOfClass>
         <cusip>78468R739</cusip>
         <value>1318</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26469</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3617</Sole>
             <Shared>22852</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SABRE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78573M104</cusip>
         <value>258</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21449</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>20615</Sole>
             <Shared>834</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>3114</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13991</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>13368</Sole>
             <Shared>623</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANMINA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>801056102</cusip>
         <value>378</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11840</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>11385</Sole>
             <Shared>455</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>2799</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52767</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>47793</Sole>
             <Shared>4974</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCOTTS MIRACLE GRO CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>810186106</cusip>
         <value>568</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2852</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>2742</Sole>
             <Shared>110</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>380</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3354</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3354</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>401</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3087</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3087</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>4210</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7649</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>7649</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>612</value>
         <shrsOrPrnAmt>
             <sshPrnamt>833</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>784</Sole>
             <Shared>49</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHYFT GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825698103</cusip>
         <value>369</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13016</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>13016</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>833445109</cusip>
         <value>376</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1335</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>1335</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONY CORP</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>835699307</cusip>
         <value>1568</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15511</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>15511</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTH ST CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>840441109</cusip>
         <value>231</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3198</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3075</Sole>
             <Shared>123</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPLUNK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>848637104</cusip>
         <value>1741</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10250</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>9779</Sole>
             <Shared>471</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STAG INDL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>85254J102</cusip>
         <value>307</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9809</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>9432</Sole>
             <Shared>377</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
         <value>2458</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22971</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>21850</Sole>
             <Shared>1121</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STEELCASE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>858155203</cusip>
         <value>286</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21089</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>20280</Sole>
             <Shared>809</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
         <value>2088</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8521</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>8163</Sole>
             <Shared>358</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872540109</cusip>
         <value>3569</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52260</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>47089</Sole>
             <Shared>5171</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>874039100</cusip>
         <value>214</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1967</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>1967</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TECHTARGET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87874R100</cusip>
         <value>210</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3546</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3546</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TELEDYNE TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>879360105</cusip>
         <value>559</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1426</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>1371</Sole>
             <Shared>55</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>882508104</cusip>
         <value>1119</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6821</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>6082</Sole>
             <Shared>739</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THE TRADE DESK INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>88339J105</cusip>
         <value>2361</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2948</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>2948</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>883556102</cusip>
         <value>2474</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5310</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>4858</Sole>
             <Shared>452</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TIMKEN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>887389104</cusip>
         <value>439</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5671</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>5453</Sole>
             <Shared>218</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TOTAL SE</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>89151E109</cusip>
         <value>563</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13436</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>13436</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRANSUNION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89400J107</cusip>
         <value>1612</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16242</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>16035</Sole>
             <Shared>207</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TREX CO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89531P105</cusip>
         <value>240</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2863</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>6</otherManager>
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             <None>0</None>
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         <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89832Q109</cusip>
         <value>859</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17937</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>17937</Sole>
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             <None>0</None>
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         <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90353T100</cusip>
         <value>267</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5222</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3368</Sole>
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         <nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90384S303</cusip>
         <value>1326</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4618</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>4469</Sole>
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         <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
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         <cusip>904767704</cusip>
         <value>1074</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17796</sshPrnamt>
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         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>14950</Sole>
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         <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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         <value>337</value>
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         <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>716</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2041</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>1013</Sole>
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         <titleOfClass>COM</titleOfClass>
         <cusip>91544A109</cusip>
         <value>258</value>
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             <Sole>5612</Sole>
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         <cusip>918204108</cusip>
         <value>1209</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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         <cusip>921937819</cusip>
         <value>329</value>
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             <sshPrnamt>3540</sshPrnamt>
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             <Sole>3540</Sole>
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         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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         <cusip>921937827</cusip>
         <value>1255</value>
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         <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
         <cusip>921943858</cusip>
         <value>523</value>
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         <value>1079</value>
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         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
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         <cusip>922042858</cusip>
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             <sshPrnamt>98926</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
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         <cusip>922042874</cusip>
         <value>226</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3746</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3746</Sole>
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         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>437</value>
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             <sshPrnamt>5250</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>5250</Sole>
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             <None>0</None>
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     <infoTable>
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         <cusip>922908363</cusip>
         <value>6568</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19111</sshPrnamt>
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     <infoTable>
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         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>390</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3283</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3231</Sole>
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         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>237</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92346J108</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>92826C839</cusip>
         <value>4371</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
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         <value>388</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>WASTE CONNECTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106B101</cusip>
         <value>969</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM NEW</titleOfClass>
         <cusip>962166104</cusip>
         <value>752</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22416</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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         <titleOfClass>COM</titleOfClass>
         <cusip>96924N100</cusip>
         <value>252</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6054</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>WOLVERINE WORLD WIDE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>978097103</cusip>
         <value>266</value>
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             <sshPrnamt>8528</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>8200</Sole>
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         <nameOfIssuer>XYLEM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98419M100</cusip>
         <value>1254</value>
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             <sshPrnamt>12324</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>12324</Sole>
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             <None>0</None>
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         <nameOfIssuer>ZOETIS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>98978V103</cusip>
         <value>1985</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11990</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
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         <nameOfIssuer>AXALTA COATING SYS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G0750C108</cusip>
         <value>1691</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59242</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>56925</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>1365</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5227</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>4866</Sole>
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         <nameOfIssuer>CREDICORP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G2519Y108</cusip>
         <value>920</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5609</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
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             <None>0</None>
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         <nameOfIssuer>COCA COLA EUROPEAN PARTNERS</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G25839104</cusip>
         <value>699</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14035</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
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             <None>0</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G4705A100</cusip>
         <value>390</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <None>0</None>
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         <nameOfIssuer>IHS MARKIT LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G47567105</cusip>
         <value>3752</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41770</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
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             <Shared>1960</Shared>
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         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5494J103</cusip>
         <value>893</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3392</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3173</Sole>
             <Shared>219</Shared>
             <None>0</None>
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     <infoTable>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>1437</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12262</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>11640</Sole>
             <Shared>622</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>973</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14747</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>14079</Sole>
             <Shared>668</Shared>
             <None>0</None>
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         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
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         <value>1675</value>
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             <sshPrnamt>3434</sshPrnamt>
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         <otherManager>6</otherManager>
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         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>2472</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>001055102</cusip>
         <value>83</value>
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             <sshPrnamt>1868</sshPrnamt>
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         <cusip>00206R102</cusip>
         <value>25</value>
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             <sshPrnamt>877</sshPrnamt>
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         <cusip>002824100</cusip>
         <value>370</value>
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         <nameOfIssuer>ADVANCED ENERGY INDS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>007973100</cusip>
         <value>24</value>
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             <sshPrnamt>252</sshPrnamt>
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             <Sole>252</Sole>
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         <nameOfIssuer>AIR PRODS &amp; CHEMS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>009158106</cusip>
         <value>355</value>
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             <sshPrnamt>1301</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>30</None>
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         <nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>020002101</cusip>
         <value>3</value>
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             <sshPrnamt>30</sshPrnamt>
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             <Sole>30</Sole>
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             <None>0</None>
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         <nameOfIssuer>ALPHABET INC</nameOfIssuer>
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         <cusip>02079K107</cusip>
         <value>44</value>
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             <sshPrnamt>25</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>25</Sole>
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         <nameOfIssuer>ALPHABET INC</nameOfIssuer>
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         <cusip>02079K305</cusip>
         <value>33230</value>
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             <sshPrnamt>18960</sshPrnamt>
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         <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>02209S103</cusip>
         <value>6</value>
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             <sshPrnamt>150</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>023135106</cusip>
         <value>160</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>025537101</cusip>
         <value>111</value>
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             <sshPrnamt>1335</sshPrnamt>
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         <nameOfIssuer>AMERICAN WTR WKS CO INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>030420103</cusip>
         <value>32251</value>
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         <nameOfIssuer>AMGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>031162100</cusip>
         <value>26552</value>
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             <sshPrnamt>115483</sshPrnamt>
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         <nameOfIssuer>AMPLIFY ETF TR</nameOfIssuer>
         <titleOfClass>ONLIN RETL ETF</titleOfClass>
         <cusip>032108102</cusip>
         <value>7</value>
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             <sshPrnamt>59</sshPrnamt>
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         <nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>032654105</cusip>
         <value>393</value>
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             <sshPrnamt>2657</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ANSYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>03662Q105</cusip>
         <value>45</value>
         <shrsOrPrnAmt>
             <sshPrnamt>125</sshPrnamt>
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         <nameOfIssuer>ANTHEM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>036752103</cusip>
         <value>3</value>
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             <sshPrnamt>9</sshPrnamt>
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         <nameOfIssuer>APPLE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>037833100</cusip>
         <value>995</value>
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             <sshPrnamt>7498</sshPrnamt>
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         <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>038222105</cusip>
         <value>4</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>040413106</cusip>
         <value>20</value>
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         <value>66</value>
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         <value>112370</value>
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         <cusip>071813109</cusip>
         <value>47360</value>
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         <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
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         <cusip>110122108</cusip>
         <value>3</value>
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         <cusip>11133T103</cusip>
         <value>11</value>
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         <cusip>12504L109</cusip>
         <value>35</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>12571T100</cusip>
         <value>15</value>
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             <sshPrnamt>96</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>126408103</cusip>
         <value>19</value>
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         <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>126650100</cusip>
         <value>20</value>
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         <nameOfIssuer>CENTENE CORP DEL</nameOfIssuer>
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         <cusip>15135B101</cusip>
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         <cusip>166764100</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>74144T108</cusip>
         <value>8</value>
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         <value>3</value>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74834L100</cusip>
         <value>3</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>756109104</cusip>
         <value>10</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>760759100</cusip>
         <value>22</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>761152107</cusip>
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         <shrsOrPrnAmt>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>78464A607</cusip>
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         <cusip>78464A698</cusip>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78464A888</cusip>
         <value>8</value>
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         <cusip>78468R721</cusip>
         <value>2172</value>
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         <cusip>78468R739</cusip>
         <value>7113</value>
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         <titleOfClass>COM</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>329251</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>311587</Sole>
             <Shared>0</Shared>
             <None>17664</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>127</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>127</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTRM TRM TRES</titleOfClass>
         <cusip>808524854</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>98</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>98</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>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>32</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>3383</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46730</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>44104</Sole>
             <Shared>0</Shared>
             <None>2626</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>9859</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86910</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>79266</Sole>
             <Shared>0</Shared>
             <None>7644</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>5991</value>
         <shrsOrPrnAmt>
             <sshPrnamt>88822</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>80112</Sole>
             <Shared>0</Shared>
             <None>8710</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>10273</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63896</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>59428</Sole>
             <Shared>0</Shared>
             <None>4468</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>2054</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54189</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>51644</Sole>
             <Shared>0</Shared>
             <None>2545</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-FINL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>9590</value>
         <shrsOrPrnAmt>
             <sshPrnamt>325303</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>305563</Sole>
             <Shared>0</Shared>
             <None>19740</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>7222</value>
         <shrsOrPrnAmt>
             <sshPrnamt>81563</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>73043</Sole>
             <Shared>0</Shared>
             <None>8520</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>8077</value>
         <shrsOrPrnAmt>
             <sshPrnamt>62120</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>57724</Sole>
             <Shared>0</Shared>
             <None>4396</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>765</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12201</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>11250</Sole>
             <Shared>0</Shared>
             <None>951</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>21</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>24</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>121565</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1051595</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1008936</Sole>
             <Shared>0</Shared>
             <None>42659</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>16744</value>
         <shrsOrPrnAmt>
             <sshPrnamt>97838</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>92498</Sole>
             <Shared>0</Shared>
             <None>5340</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>842587107</cusip>
         <value>52</value>
         <shrsOrPrnAmt>
             <sshPrnamt>842</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>842</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPLUNK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>848637104</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>60</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>854502101</cusip>
         <value>127480</value>
         <shrsOrPrnAmt>
             <sshPrnamt>713934</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>685829</Sole>
             <Shared>0</Shared>
             <None>28105</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
         <value>138921</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1298571</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1249407</Sole>
             <Shared>0</Shared>
             <None>49164</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
         <value>30</value>
         <shrsOrPrnAmt>
             <sshPrnamt>121</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>121</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871607107</cusip>
         <value>18</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>68</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SYSCO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871829107</cusip>
         <value>43</value>
         <shrsOrPrnAmt>
             <sshPrnamt>577</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>577</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872540109</cusip>
         <value>32002</value>
         <shrsOrPrnAmt>
             <sshPrnamt>468616</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>443346</Sole>
             <Shared>0</Shared>
             <None>25270</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TARGET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612E106</cusip>
         <value>649</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3675</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>3675</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>3M CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88579Y101</cusip>
         <value>98935</value>
         <shrsOrPrnAmt>
             <sshPrnamt>566023</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>544658</Sole>
             <Shared>0</Shared>
             <None>21365</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>902973304</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>224</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>224</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>904767704</cusip>
         <value>18</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>300</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>907818108</cusip>
         <value>86666</value>
         <shrsOrPrnAmt>
             <sshPrnamt>416221</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>400372</Sole>
             <Shared>0</Shared>
             <None>15849</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91324P102</cusip>
         <value>121060</value>
         <shrsOrPrnAmt>
             <sshPrnamt>345213</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>332372</Sole>
             <Shared>0</Shared>
             <None>12841</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNIVERSAL DISPLAY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91347P105</cusip>
         <value>40</value>
         <shrsOrPrnAmt>
             <sshPrnamt>175</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>175</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>V F CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>918204108</cusip>
         <value>70</value>
         <shrsOrPrnAmt>
             <sshPrnamt>825</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>825</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANECK VECTORS ETF TR</nameOfIssuer>
         <titleOfClass>SEMICONDUCTOR ET</titleOfClass>
         <cusip>92189F676</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>24</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
         <titleOfClass>DIV APP ETF</titleOfClass>
         <cusip>921908844</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>110</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>110</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
         <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
         <cusip>921943858</cusip>
         <value>116569</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2469154</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>2286466</Sole>
             <Shared>0</Shared>
             <None>182688</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>ALLWRLD EX US</titleOfClass>
         <cusip>922042775</cusip>
         <value>2106</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36092</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>17671</Sole>
             <Shared>0</Shared>
             <None>18421</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>60079</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1198940</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1108628</Sole>
             <Shared>0</Shared>
             <None>90312</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
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         <value>2274</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>1</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>931427108</cusip>
         <value>3</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>94106L109</cusip>
         <value>103317</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>32975</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>95040Q104</cusip>
         <value>106</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>950755108</cusip>
         <value>3</value>
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         <value>41</value>
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         <cusip>G02602103</cusip>
         <value>21000</value>
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         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>141353</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G4705A100</cusip>
         <value>29</value>
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         <value>144737</value>
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         <cusip>H01301128</cusip>
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</SEC-DOCUMENT>
