<SEC-DOCUMENT>0000720672-22-000006.txt : 20220513
<SEC-HEADER>0000720672-22-000006.hdr.sgml : 20220513
<ACCEPTANCE-DATETIME>20220513114450
ACCESSION NUMBER:		0000720672-22-000006
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20220331
FILED AS OF DATE:		20220513
DATE AS OF CHANGE:		20220513
EFFECTIVENESS DATE:		20220513

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:		22921133

	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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<TYPE>13F-HR
<SEQUENCE>1
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        <name>STIFEL FINANCIAL CORP</name>
        <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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    <signatureBlock>
      <name>James M. Zemlyak</name>
      <title>President</title>
      <phone>314 342-2845</phone>
      <signature>/s/ James M. Zemlyak</signature>
      <city>St. Louis</city>
      <stateOrCountry>MO</stateOrCountry>
      <signatureDate>05-13-2022</signatureDate>
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         <titleOfClass>COM</titleOfClass>
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         <value>9</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <value>29</value>
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         <cusip>122017106</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>12572Q105</cusip>
         <value>22</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>12685J105</cusip>
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         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>23345M107</cusip>
         <value>6</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>EBAY INC.</nameOfIssuer>
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         <value>10</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
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         <cusip>31620M106</cusip>
         <value>24</value>
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             <None>238</None>
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         <value>19</value>
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         <value>38</value>
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         <value>21</value>
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             <None>533</None>
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         <cusip>925652109</cusip>
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             <None>576</None>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>640491106</cusip>
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         <shrsOrPrnAmt>
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         <titleOfClass>COM</titleOfClass>
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         <value>3</value>
         <shrsOrPrnAmt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>783549108</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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             <None>217</None>
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             <None>466</None>
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         <nameOfIssuer>OMEGA HEALTHCARE INVS INC</nameOfIssuer>
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         <cusip>681936100</cusip>
         <value>6</value>
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             <None>195</None>
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         <cusip>682189105</cusip>
         <value>8</value>
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             <None>261</None>
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         <value>25</value>
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             <None>598</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>15</value>
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         <value>26</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>296</None>
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         <nameOfIssuer>PACKAGING CORP AMER</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>695156109</cusip>
         <value>7</value>
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         <nameOfIssuer>PACWEST BANCORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>695263103</cusip>
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         <cusip>816851109</cusip>
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         <titleOfClass>COM</titleOfClass>
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             <None>658</None>
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         <cusip>776696106</cusip>
         <value>15</value>
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             <None>32</None>
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         <value>35</value>
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             <None>423</None>
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             <None>726</None>
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         <value>80</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>693506107</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86</sshPrnamt>
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         <value>43</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>71</value>
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             <sshPrnamt>347</sshPrnamt>
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             <None>347</None>
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         <nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>723787107</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>64</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
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         <value>3</value>
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             <sshPrnamt>122</sshPrnamt>
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             <None>186</None>
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         <nameOfIssuer>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
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         <value>13</value>
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         <value>208</value>
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             <None>648</None>
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         <value>6</value>
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             <sshPrnamt>159</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
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             <None>159</None>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74340W103</cusip>
         <value>87</value>
         <shrsOrPrnAmt>
             <sshPrnamt>540</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>540</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>744320102</cusip>
         <value>88</value>
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             <None>749</None>
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         <titleOfClass>CL A</titleOfClass>
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         <value>11</value>
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         <value>26</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>319</None>
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         <titleOfClass>CL A</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
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         <value>5</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CLARIVATE PLC</nameOfIssuer>
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         <cusip>G21810109</cusip>
         <value>3</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>154</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>749685103</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>REPLIGEN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <cusip>L8681T102</cusip>
         <value>10</value>
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         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>74</value>
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         <cusip>G51502105</cusip>
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         <value>2</value>
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         <titleOfClass>SHS</titleOfClass>
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         <value>19</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
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             <None>102</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>V7780T103</cusip>
         <value>16</value>
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             <None>189</None>
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         <value>62</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>681</None>
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         <cusip>80105N105</cusip>
         <value>14</value>
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             <None>271</None>
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         <titleOfClass>CL A</titleOfClass>
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         <value>4</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>81</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>5</value>
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         <value>4</value>
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             <None>95</None>
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         <nameOfIssuer>STAG INDL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>85254J102</cusip>
         <value>6</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>164</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
         <value>92</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>345</None>
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         <titleOfClass>CL A</titleOfClass>
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         <value>4</value>
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         <value>323</value>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>639057108</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>670346105</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>05946K101</cusip>
         <value>1874</value>
         <shrsOrPrnAmt>
             <sshPrnamt>329305</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>323375</Sole>
             <Shared>0</Shared>
             <None>5930</None>
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     <infoTable>
         <nameOfIssuer>BEAM THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>07373V105</cusip>
         <value>117</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2041</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1994</Sole>
             <Shared>0</Shared>
             <None>47</None>
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     <infoTable>
         <nameOfIssuer>BED BATH &amp; BEYOND INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>075896100</cusip>
         <value>754</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33482</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>33482</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>084670108</cusip>
         <value>6876</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11</Sole>
             <Shared>0</Shared>
             <None>2</None>
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     <infoTable>
         <nameOfIssuer>BIO RAD LABS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>090572207</cusip>
         <value>3477</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6174</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5937</Sole>
             <Shared>0</Shared>
             <None>237</None>
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     <infoTable>
         <nameOfIssuer>BIOSIG TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>09073N201</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>7000</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>BIONANO GENOMICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09075F107</cusip>
         <value>405</value>
         <shrsOrPrnAmt>
             <sshPrnamt>156960</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>156875</Sole>
             <Shared>0</Shared>
             <None>85</None>
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     <infoTable>
         <nameOfIssuer>BLACKLINE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09239B109</cusip>
         <value>7544</value>
         <shrsOrPrnAmt>
             <sshPrnamt>103026</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>94251</Sole>
             <Shared>0</Shared>
             <None>8775</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK MUNIYILD QULT FD I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09254F100</cusip>
         <value>277</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20069</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20069</Sole>
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             <None>0</None>
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         <nameOfIssuer>BLACKSTONE MTG TR INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>09257W100</cusip>
         <value>3232</value>
         <shrsOrPrnAmt>
             <sshPrnamt>101660</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>61144</Sole>
             <Shared>0</Shared>
             <None>40516</None>
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     <infoTable>
         <nameOfIssuer>BLACKSTONE MORTGAGE TRUST IN</nameOfIssuer>
         <titleOfClass>NOTE 4.750% 3/1</titleOfClass>
         <cusip>09257WAC4</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10110</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>0</Sole>
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             <None>10110</None>
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     <infoTable>
         <nameOfIssuer>BERRY GLOBAL GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>08579W103</cusip>
         <value>2827</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48776</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>48183</Sole>
             <Shared>0</Shared>
             <None>593</None>
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         <nameOfIssuer>BEST BUY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>086516101</cusip>
         <value>9794</value>
         <shrsOrPrnAmt>
             <sshPrnamt>107744</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>104295</Sole>
             <Shared>0</Shared>
             <None>3449</None>
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     <infoTable>
         <nameOfIssuer>BILL COM HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>090043100</cusip>
         <value>11970</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52782</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>51769</Sole>
             <Shared>0</Shared>
             <None>1013</None>
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     <infoTable>
         <nameOfIssuer>BIOGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09062X103</cusip>
         <value>8988</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42676</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>42109</Sole>
             <Shared>0</Shared>
             <None>567</None>
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     <infoTable>
         <nameOfIssuer>BLACK KNIGHT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09215C105</cusip>
         <value>4534</value>
         <shrsOrPrnAmt>
             <sshPrnamt>78193</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>77386</Sole>
             <Shared>0</Shared>
             <None>807</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK MUN INCOME TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>09248F109</cusip>
         <value>225</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18491</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>18491</Sole>
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             <None>0</None>
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         <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>09248X100</cusip>
         <value>988</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44871</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>38426</Sole>
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             <None>6445</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK CORE BD TR</nameOfIssuer>
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         <cusip>09249E101</cusip>
         <value>7039</value>
         <shrsOrPrnAmt>
             <sshPrnamt>541460</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>538323</Sole>
             <Shared>0</Shared>
             <None>3137</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK MUNIHOLDINGS FD IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09253N104</cusip>
         <value>372</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26151</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21255</Sole>
             <Shared>0</Shared>
             <None>4896</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK MUNIVEST FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09253R105</cusip>
         <value>166</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20344</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>20344</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK MUNIYIELD QUALITY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09254E103</cusip>
         <value>1548</value>
         <shrsOrPrnAmt>
             <sshPrnamt>123368</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>38815</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK MUNIYIELD N Y QUAL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09255E102</cusip>
         <value>190</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>15695</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>BLACKSTONE MORTGAGE TRUST IN</nameOfIssuer>
         <titleOfClass>NOTE 4.375% 5/0</titleOfClass>
         <cusip>09257WAB6</cusip>
         <value>136</value>
         <shrsOrPrnAmt>
             <sshPrnamt>136000</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>136000</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK SCIENCE &amp; TECHNOLO</nameOfIssuer>
         <titleOfClass>SHS BEN INT</titleOfClass>
         <cusip>09260K101</cusip>
         <value>4420</value>
         <shrsOrPrnAmt>
             <sshPrnamt>150486</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>116716</Sole>
             <Shared>0</Shared>
             <None>33770</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK CAP ALLOCATION TR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09260U109</cusip>
         <value>2210</value>
         <shrsOrPrnAmt>
             <sshPrnamt>133434</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>132734</Sole>
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             <None>700</None>
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     <infoTable>
         <nameOfIssuer>BOOT BARN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>099406100</cusip>
         <value>2446</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>24253</Sole>
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             <None>1549</None>
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     <infoTable>
         <nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>101137107</cusip>
         <value>18664</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>342923</Sole>
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             <None>78484</None>
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     <infoTable>
         <nameOfIssuer>BRINKER INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>109641100</cusip>
         <value>250</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6545</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>6545</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>BLACK HILLS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>092113109</cusip>
         <value>949</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12323</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>BLACK STONE MINERALS L P</nameOfIssuer>
         <titleOfClass>COM UNIT</titleOfClass>
         <cusip>09225M101</cusip>
         <value>1213</value>
         <shrsOrPrnAmt>
             <sshPrnamt>90127</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>BLACKROCK MUN INCOME QUALITY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>092479104</cusip>
         <value>1572</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>4625</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09247X101</cusip>
         <value>109402</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>137400</Sole>
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             <None>5697</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK MUNI INCOME TR II</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09249N101</cusip>
         <value>359</value>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK ENHANCED GLOBAL DI</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>092501105</cusip>
         <value>504</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44562</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>43759</Sole>
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             <None>803</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK CR ALLOCATION INCO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>092508100</cusip>
         <value>312</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24811</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>24311</Sole>
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             <None>500</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>BLACKROCK ENHANCED EQUITY DI</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09251A104</cusip>
         <value>12825</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1295448</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1207842</Sole>
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             <None>87606</None>
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     <infoTable>
         <nameOfIssuer>BLACKROCK ESG CAP ALLC TR</nameOfIssuer>
         <titleOfClass>SHS BEN INT</titleOfClass>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>CAP STRENGTH ETF</titleOfClass>
         <cusip>33733E104</cusip>
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             <None>32900</None>
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         <nameOfIssuer>FIRST TR SR FLTG RATE INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CONSUMR STAPLE</titleOfClass>
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         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CLOUD COMPUTING</titleOfClass>
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         <value>10719</value>
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             <sshPrnamt>118411</sshPrnamt>
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         <value>2702</value>
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             <sshPrnamt>193800</sshPrnamt>
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         <value>1073</value>
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             <sshPrnamt>58385</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>21925D109</cusip>
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             <sshPrnamt>29982</sshPrnamt>
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         <nameOfIssuer>CUSTOMERS BANCORP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>254</value>
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         <nameOfIssuer>DBX ETF TR</nameOfIssuer>
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         <value>1339</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>946</Sole>
             <Shared>0</Shared>
             <None>39</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
         <titleOfClass>MSCI CONSM DIS</titleOfClass>
         <cusip>316092204</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAT GAS ETF</titleOfClass>
         <cusip>33733E807</cusip>
         <value>1165</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47785</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>43584</Sole>
             <Shared>0</Shared>
             <None>4201</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR S&amp;P REIT INDEX FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33734G108</cusip>
         <value>7469</value>
         <shrsOrPrnAmt>
             <sshPrnamt>239331</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>237893</Sole>
             <Shared>0</Shared>
             <None>1438</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>FINLS ALPHADEX</titleOfClass>
         <cusip>33734X135</cusip>
         <value>11373</value>
         <shrsOrPrnAmt>
             <sshPrnamt>247721</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>243998</Sole>
             <Shared>0</Shared>
             <None>3723</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>HLTH CARE ALPH</titleOfClass>
         <cusip>33734X143</cusip>
         <value>5975</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52110</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>45866</Sole>
             <Shared>0</Shared>
             <None>6244</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>TECH ALPHADEX</titleOfClass>
         <cusip>33734X176</cusip>
         <value>13964</value>
         <shrsOrPrnAmt>
             <sshPrnamt>120218</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>117287</Sole>
             <Shared>0</Shared>
             <None>2931</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDXX NAT RE ETF</titleOfClass>
         <cusip>33734X838</cusip>
         <value>212</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12820</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12820</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>9208</value>
         <shrsOrPrnAmt>
             <sshPrnamt>93838</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>52098</Sole>
             <Shared>0</Shared>
             <None>41740</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TRUST LRGCP GWT ALPHAD</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735K108</cusip>
         <value>7531</value>
         <shrsOrPrnAmt>
             <sshPrnamt>70580</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>68560</Sole>
             <Shared>0</Shared>
             <None>2020</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR STOXX EUROPEAN SELE</nameOfIssuer>
         <titleOfClass>COMMON SHS</titleOfClass>
         <cusip>33735T109</cusip>
         <value>445</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33515</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>29579</Sole>
             <Shared>0</Shared>
             <None>3936</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ CLN EDGE</titleOfClass>
         <cusip>33737A108</cusip>
         <value>5344</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56777</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>56421</Sole>
             <Shared>0</Shared>
             <None>356</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>DEV MRK EX US</titleOfClass>
         <cusip>33737J174</cusip>
         <value>5703</value>
         <shrsOrPrnAmt>
             <sshPrnamt>98600</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>96874</Sole>
             <Shared>0</Shared>
             <None>1726</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DORSEY WRT 5 ETF</titleOfClass>
         <cusip>33738R605</cusip>
         <value>19186</value>
         <shrsOrPrnAmt>
             <sshPrnamt>402628</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>390552</Sole>
             <Shared>0</Shared>
             <None>12076</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>LNG/SHT EQUITY</titleOfClass>
         <cusip>33739P103</cusip>
         <value>657</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12961</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12536</Sole>
             <Shared>0</Shared>
             <None>425</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>CALIF MUN INCM</titleOfClass>
         <cusip>33739P863</cusip>
         <value>1468</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28817</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>28321</Sole>
             <Shared>0</Shared>
             <None>496</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FST LOW OPPT EFT</titleOfClass>
         <cusip>33739Q200</cusip>
         <value>56845</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1161277</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1118309</Sole>
             <Shared>0</Shared>
             <None>42968</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR DYNAMIC EUROPE EQUI</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33740D107</cusip>
         <value>681</value>
         <shrsOrPrnAmt>
             <sshPrnamt>53940</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>51640</Sole>
             <Shared>0</Shared>
             <None>2300</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
         <titleOfClass>ALT ABSLT STRG</titleOfClass>
         <cusip>33740Y101</cusip>
         <value>442</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13057</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11967</Sole>
             <Shared>0</Shared>
             <None>1090</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SMID RISNG ETF</titleOfClass>
         <cusip>33741X102</cusip>
         <value>17982</value>
         <shrsOrPrnAmt>
             <sshPrnamt>645178</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>610915</Sole>
             <Shared>0</Shared>
             <None>34263</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTCASH HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33768G107</cusip>
         <value>287</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4084</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4084</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337932107</cusip>
         <value>6205</value>
         <shrsOrPrnAmt>
             <sshPrnamt>135308</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>127215</Sole>
             <Shared>0</Shared>
             <None>8093</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>339041105</cusip>
         <value>1613</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6478</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6454</Sole>
             <Shared>0</Shared>
             <None>24</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>INTL QLTDV IDX</titleOfClass>
         <cusip>33939L837</cusip>
         <value>500</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20931</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20264</Sole>
             <Shared>0</Shared>
             <None>667</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>QLT DIV DEF IDX</titleOfClass>
         <cusip>33939L845</cusip>
         <value>649</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11488</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5863</Sole>
             <Shared>0</Shared>
             <None>5625</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLOWSERVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34354P105</cusip>
         <value>891</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24810</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21935</Sole>
             <Shared>0</Shared>
             <None>2875</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FOX CORP</nameOfIssuer>
         <titleOfClass>CL B COM</titleOfClass>
         <cusip>35137L204</cusip>
         <value>841</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23170</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19445</Sole>
             <Shared>0</Shared>
             <None>3725</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRANKLIN ETF TR</nameOfIssuer>
         <titleOfClass>LIBERTY SHRT ETF</titleOfClass>
         <cusip>353506108</cusip>
         <value>3229</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35047</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>35047</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRANKLIN RESOURCES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>354613101</cusip>
         <value>4414</value>
         <shrsOrPrnAmt>
             <sshPrnamt>158111</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>154711</Sole>
             <Shared>0</Shared>
             <None>3400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
         <titleOfClass>LIBERTYQ US EQT</titleOfClass>
         <cusip>35473P801</cusip>
         <value>611</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13612</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13612</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST COMWLTH FINL CORP PA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>319829107</cusip>
         <value>187</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12357</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12357</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST CMNTY CORP S C</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>319835104</cusip>
         <value>712</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33573</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>33573</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST CMNTY BANKSHARES INC V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31983A103</cusip>
         <value>219</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7761</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7761</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST HAWAIIAN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32051X108</cusip>
         <value>7186</value>
         <shrsOrPrnAmt>
             <sshPrnamt>257667</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>237933</Sole>
             <Shared>0</Shared>
             <None>19734</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST INTERNET BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>320557101</cusip>
         <value>1855</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43135</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>30135</Sole>
             <Shared>0</Shared>
             <None>13000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST INTST BANCSYSTEM INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>32055Y201</cusip>
         <value>4344</value>
         <shrsOrPrnAmt>
             <sshPrnamt>118151</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>117551</Sole>
             <Shared>0</Shared>
             <None>600</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337344105</cusip>
         <value>18192</value>
         <shrsOrPrnAmt>
             <sshPrnamt>169554</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>168719</Sole>
             <Shared>0</Shared>
             <None>835</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>S NETWRK FUT VEH</titleOfClass>
         <cusip>33734X309</cusip>
         <value>216</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3717</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3717</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EUROPE ALPHADEX</titleOfClass>
         <cusip>33737J117</cusip>
         <value>1201</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31086</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>30477</Sole>
             <Shared>0</Shared>
             <None>609</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>SML CP GRW ALP</titleOfClass>
         <cusip>33737M300</cusip>
         <value>1626</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23791</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>23291</Sole>
             <Shared>0</Shared>
             <None>500</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR HIGH INCOME LONG /</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738E109</cusip>
         <value>641</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47629</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>47204</Sole>
             <Shared>0</Shared>
             <None>425</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>MULTI ASSET DI</titleOfClass>
         <cusip>33738R100</cusip>
         <value>712</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42228</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>35228</Sole>
             <Shared>0</Shared>
             <None>7000</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
         <cusip>33738R506</cusip>
         <value>81251</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1658141</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1567953</Sole>
             <Shared>0</Shared>
             <None>90188</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>MANAGD MUN ETF</titleOfClass>
         <cusip>33739N108</cusip>
         <value>12411</value>
         <shrsOrPrnAmt>
             <sshPrnamt>233904</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>232591</Sole>
             <Shared>0</Shared>
             <None>1313</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GDL FD</nameOfIssuer>
         <titleOfClass>COM SH BEN IT</titleOfClass>
         <cusip>361570104</cusip>
         <value>195</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22637</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17736</Sole>
             <Shared>0</Shared>
             <None>4901</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GEE GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>36165A102</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GFL ENVIRONMENTAL INC</nameOfIssuer>
         <titleOfClass>SUB VTG SHS</titleOfClass>
         <cusip>36168Q104</cusip>
         <value>1855</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56993</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>54218</Sole>
             <Shared>0</Shared>
             <None>2775</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GEMINI THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>36870G105</cusip>
         <value>144</value>
         <shrsOrPrnAmt>
             <sshPrnamt>103821</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>101921</Sole>
             <Shared>0</Shared>
             <None>1900</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>EME MRK BD ETF</titleOfClass>
         <cusip>33739P202</cusip>
         <value>1015</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33671</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>33468</Sole>
             <Shared>0</Shared>
             <None>203</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>EQUITYCOMPASS</titleOfClass>
         <cusip>33740F607</cusip>
         <value>12091</value>
         <shrsOrPrnAmt>
             <sshPrnamt>477209</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>468221</Sole>
             <Shared>0</Shared>
             <None>8988</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>IBOXX 5YR TRGT</titleOfClass>
         <cusip>33939L605</cusip>
         <value>435</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16031</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15878</Sole>
             <Shared>0</Shared>
             <None>153</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>GLB QLT R/E IDX</titleOfClass>
         <cusip>33939L787</cusip>
         <value>680</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9676</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9558</Sole>
             <Shared>0</Shared>
             <None>118</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLOTEK INDS INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>343389102</cusip>
         <value>23</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18120</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>18120</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959J108</cusip>
         <value>1662</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27284</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>26238</Sole>
             <Shared>0</Shared>
             <None>1046</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FOSTER L B CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>350060109</cusip>
         <value>209</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13589</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13589</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FOX CORP</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>35137L105</cusip>
         <value>3671</value>
         <shrsOrPrnAmt>
             <sshPrnamt>93058</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>92082</Sole>
             <Shared>0</Shared>
             <None>976</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DRAFTKINGS INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>26142R104</cusip>
         <value>2700</value>
         <shrsOrPrnAmt>
             <sshPrnamt>138699</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>108851</Sole>
             <Shared>0</Shared>
             <None>29848</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>26441C204</cusip>
         <value>50174</value>
         <shrsOrPrnAmt>
             <sshPrnamt>449342</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>431637</Sole>
             <Shared>0</Shared>
             <None>17705</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DUN &amp; BRADSTREET HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>26484T106</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>652</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>652</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DUTCH BROS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>26701L100</cusip>
         <value>4737</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85698</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>83244</Sole>
             <Shared>0</Shared>
             <None>2454</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DYNAVAX TECHNOLOGIES CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>268158201</cusip>
         <value>3389</value>
         <shrsOrPrnAmt>
             <sshPrnamt>312634</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>312634</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ETF MANAGERS TR</nameOfIssuer>
         <titleOfClass>PRIME JUNIR SLVR</titleOfClass>
         <cusip>26924G102</cusip>
         <value>1025</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72766</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>72766</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>EAST WEST BANCORP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27579R104</cusip>
         <value>2649</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33523</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>33140</Sole>
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             <None>383</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EASTERN BANKSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27627N105</cusip>
         <value>106</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4929</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>4752</Sole>
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             <None>177</None>
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     <infoTable>
         <nameOfIssuer>EATON VANCE ENHANCED EQUITY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>278274105</cusip>
         <value>503</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27344</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>27344</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>HOULIHAN LOKEY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>441593100</cusip>
         <value>5089</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57962</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>57092</Sole>
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             <None>870</None>
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         <nameOfIssuer>HUDSON PAC PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>444097109</cusip>
         <value>1872</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67453</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>66374</Sole>
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             <None>1079</None>
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         <nameOfIssuer>HUNTINGTON INGALLS INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>446413106</cusip>
         <value>2645</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13249</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>167</None>
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         <nameOfIssuer>HUNTSMAN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>447011107</cusip>
         <value>14724</value>
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             <None>2769</None>
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         <nameOfIssuer>HYATT HOTELS CORP</nameOfIssuer>
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         <cusip>448579102</cusip>
         <value>2161</value>
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         <nameOfIssuer>HYDROFARM HLDGS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>44888K209</cusip>
         <value>744</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>IAC INTERACTIVECORP NEW</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>44891N208</cusip>
         <value>5397</value>
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             <sshPrnamt>53817</sshPrnamt>
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         <cusip>449109107</cusip>
         <value>87</value>
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         <titleOfClass>COM NEW</titleOfClass>
         <cusip>44934S206</cusip>
         <value>58</value>
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             <None>2800</None>
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         <nameOfIssuer>IO BIOTECH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>449778109</cusip>
         <value>53</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>10000</Sole>
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             <None>0</None>
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         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>242691</Sole>
             <Shared>0</Shared>
             <None>13264</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>S&amp;P MC 400VL ETF</titleOfClass>
         <cusip>464287705</cusip>
         <value>20286</value>
         <shrsOrPrnAmt>
             <sshPrnamt>185017</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>181236</Sole>
             <Shared>0</Shared>
             <None>3781</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>DOW JONES US ETF</titleOfClass>
         <cusip>464287846</cusip>
         <value>4696</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42172</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>28906</Sole>
             <Shared>0</Shared>
             <None>13266</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>GLB INFRASTR ETF</titleOfClass>
         <cusip>464288372</cusip>
         <value>52</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1014</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1014</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ISHS 5-10YR INVT</titleOfClass>
         <cusip>464288638</cusip>
         <value>37464</value>
         <shrsOrPrnAmt>
             <sshPrnamt>682786</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>662549</Sole>
             <Shared>0</Shared>
             <None>20237</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>LUNT US FACTOR</titleOfClass>
         <cusip>33733E872</cusip>
         <value>12959</value>
         <shrsOrPrnAmt>
             <sshPrnamt>395680</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>395262</Sole>
             <Shared>0</Shared>
             <None>418</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>33734H106</cusip>
         <value>123069</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2909409</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2845727</Sole>
             <Shared>0</Shared>
             <None>63682</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CONSUMR DISCRE</titleOfClass>
         <cusip>33734X101</cusip>
         <value>8769</value>
         <shrsOrPrnAmt>
             <sshPrnamt>160948</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>150767</Sole>
             <Shared>0</Shared>
             <None>10181</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>ENERGY ALPHADX</titleOfClass>
         <cusip>33734X127</cusip>
         <value>7773</value>
         <shrsOrPrnAmt>
             <sshPrnamt>487912</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>478159</Sole>
             <Shared>0</Shared>
             <None>9753</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDLS PROD DUR</titleOfClass>
         <cusip>33734X150</cusip>
         <value>7865</value>
         <shrsOrPrnAmt>
             <sshPrnamt>139143</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>129813</Sole>
             <Shared>0</Shared>
             <None>9330</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>MATERIALS ALPH</titleOfClass>
         <cusip>33734X168</cusip>
         <value>11952</value>
         <shrsOrPrnAmt>
             <sshPrnamt>166833</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>160692</Sole>
             <Shared>0</Shared>
             <None>6141</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>UTILITIES ALPH</titleOfClass>
         <cusip>33734X184</cusip>
         <value>2470</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72633</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>70472</Sole>
             <Shared>0</Shared>
             <None>2161</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ CYB ETF</titleOfClass>
         <cusip>33734X846</cusip>
         <value>27979</value>
         <shrsOrPrnAmt>
             <sshPrnamt>526750</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>503419</Sole>
             <Shared>0</Shared>
             <None>23331</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR FTSE EPRA / NAREIT</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33736N101</cusip>
         <value>670</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12974</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12810</Sole>
             <Shared>0</Shared>
             <None>164</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR NASDAQ ABA CMNTY BK</nameOfIssuer>
         <titleOfClass>UT COM SHS ETF</titleOfClass>
         <cusip>33736Q104</cusip>
         <value>211</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3758</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3758</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>GERMANY ALPHA</titleOfClass>
         <cusip>33737J190</cusip>
         <value>277</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6314</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6314</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>SWITZLND ALPHA</titleOfClass>
         <cusip>33737J232</cusip>
         <value>789</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12198</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11980</Sole>
             <Shared>0</Shared>
             <None>218</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EX US SML CP</titleOfClass>
         <cusip>33737J406</cusip>
         <value>299</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6798</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6708</Sole>
             <Shared>0</Shared>
             <None>90</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CP GR ALPH</titleOfClass>
         <cusip>33737M102</cusip>
         <value>2811</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42158</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>40235</Sole>
             <Shared>0</Shared>
             <None>1923</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CAP VAL FD</titleOfClass>
         <cusip>33737M201</cusip>
         <value>1428</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30632</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>30632</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR ENERGY INFRASTRCTR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738C103</cusip>
         <value>333</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21862</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21862</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>12429</value>
         <shrsOrPrnAmt>
             <sshPrnamt>448859</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>444094</Sole>
             <Shared>0</Shared>
             <None>4765</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>BUYWRIT INCM ETF</titleOfClass>
         <cusip>33738R308</cusip>
         <value>503</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21938</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20995</Sole>
             <Shared>0</Shared>
             <None>943</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ ARTFCIAL</titleOfClass>
         <cusip>33738R720</cusip>
         <value>1361</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28798</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>28550</Sole>
             <Shared>0</Shared>
             <None>248</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ SEMCNDTR</titleOfClass>
         <cusip>33738R811</cusip>
         <value>1087</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15441</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15441</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ OIL GAS</titleOfClass>
         <cusip>33738R845</cusip>
         <value>5122</value>
         <shrsOrPrnAmt>
             <sshPrnamt>193337</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>175230</Sole>
             <Shared>0</Shared>
             <None>18107</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
         <titleOfClass>FST TR GLB FD</titleOfClass>
         <cusip>33739H101</cusip>
         <value>55720</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1959910</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1907973</Sole>
             <Shared>0</Shared>
             <None>51937</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR ENH NEW</titleOfClass>
         <cusip>33739Q408</cusip>
         <value>25175</value>
         <shrsOrPrnAmt>
             <sshPrnamt>422881</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>417993</Sole>
             <Shared>0</Shared>
             <None>4888</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FT CBOE VEST S&amp;P</titleOfClass>
         <cusip>33739Q705</cusip>
         <value>8566</value>
         <shrsOrPrnAmt>
             <sshPrnamt>156269</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>156177</Sole>
             <Shared>0</Shared>
             <None>92</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>TCW UNCONSTRAI</titleOfClass>
         <cusip>33740F888</cusip>
         <value>10546</value>
         <shrsOrPrnAmt>
             <sshPrnamt>413091</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>409717</Sole>
             <Shared>0</Shared>
             <None>3374</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVE POINT HOLDINGS LLC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>33833Q106</cusip>
         <value>74</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12138</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12138</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>HIG YLD VL ETF</titleOfClass>
         <cusip>33939L662</cusip>
         <value>3706</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80011</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>71716</Sole>
             <Shared>0</Shared>
             <None>8295</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>343412102</cusip>
         <value>2106</value>
         <shrsOrPrnAmt>
             <sshPrnamt>73392</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>72051</Sole>
             <Shared>0</Shared>
             <None>1341</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLOWERS FOODS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>343498101</cusip>
         <value>222</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8626</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8626</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FOMENTO ECONOMICO MEXICANO S</nameOfIssuer>
         <titleOfClass>SPON ADR UNITS</titleOfClass>
         <cusip>344419106</cusip>
         <value>350</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4222</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4222</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTINET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959E109</cusip>
         <value>14610</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42753</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>41965</Sole>
             <Shared>0</Shared>
             <None>788</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTRESS TRANS INFRST INVS L</nameOfIssuer>
         <titleOfClass>COM REP LTD LIAB</titleOfClass>
         <cusip>34960P101</cusip>
         <value>641</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24887</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>14887</Sole>
             <Shared>0</Shared>
             <None>10000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
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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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         <titleOfClass>COM</titleOfClass>
         <cusip>65487U108</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>670656107</cusip>
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         <nameOfIssuer>NUVEEN MUN HIGH INCOME OPPOR</nameOfIssuer>
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         <cusip>670682103</cusip>
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         <nameOfIssuer>NUVEEN REAL ASSET INCOME &amp; G</nameOfIssuer>
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         <cusip>67074Y105</cusip>
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         <cusip>670750108</cusip>
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         <cusip>46138E362</cusip>
         <value>6943</value>
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         <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
         <titleOfClass>BULETSHS 2029</titleOfClass>
         <cusip>46138J577</cusip>
         <value>1192</value>
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             <sshPrnamt>61290</sshPrnamt>
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         <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
         <titleOfClass>BULSHS 2027 CB</titleOfClass>
         <cusip>46138J783</cusip>
         <value>1839</value>
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         <nameOfIssuer>INVESCO CURRENCYSHARES SWISS</nameOfIssuer>
         <titleOfClass>SWISS FRANC</titleOfClass>
         <cusip>46138R108</cusip>
         <value>276</value>
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             <sshPrnamt>2835</sshPrnamt>
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         <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
         <titleOfClass>OIL FD</titleOfClass>
         <cusip>46140H403</cusip>
         <value>677</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39095</sshPrnamt>
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         <nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>502431109</cusip>
         <value>35694</value>
         <shrsOrPrnAmt>
             <sshPrnamt>143606</sshPrnamt>
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         <nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>512807108</cusip>
         <value>31647</value>
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             <sshPrnamt>58859</sshPrnamt>
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             <None>1883</None>
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         <nameOfIssuer>LANDSTAR SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>515098101</cusip>
         <value>12940</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85794</sshPrnamt>
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         <nameOfIssuer>LAZARD GLOBAL TOTAL RETURN &amp;</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>52106W103</cusip>
         <value>4381</value>
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             <sshPrnamt>244748</sshPrnamt>
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         <nameOfIssuer>LEE ENTERPRISES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>523768406</cusip>
         <value>1622</value>
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             <sshPrnamt>60238</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>59449</Sole>
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             <None>789</None>
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         <nameOfIssuer>LEMAITRE VASCULAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>525558201</cusip>
         <value>1802</value>
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             <sshPrnamt>38788</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>35718</Sole>
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             <None>3070</None>
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         <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
         <titleOfClass>MSCI INDL INDX</titleOfClass>
         <cusip>316092709</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
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             <None>100</None>
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         <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
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         <cusip>316092832</cusip>
         <value>313</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7035</sshPrnamt>
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         <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
         <titleOfClass>MSCI MATLS INDEX</titleOfClass>
         <cusip>316092881</cusip>
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             <sshPrnamt>113</sshPrnamt>
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         <nameOfIssuer>FIRST AMERN FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31847R102</cusip>
         <value>4080</value>
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         <otherManager>1</otherManager>
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             <None>1326</None>
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         <nameOfIssuer>FIRST FINL BANCORP OH</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>320209109</cusip>
         <value>1668</value>
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             <sshPrnamt>72352</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>62781</Sole>
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             <None>9571</None>
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         <nameOfIssuer>FIRST MAJESTIC SILVER CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32076V103</cusip>
         <value>214</value>
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             <sshPrnamt>16244</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>16244</Sole>
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             <None>0</None>
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         <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>336433107</cusip>
         <value>1875</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22385</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>1655</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR MULTI CP VAL ALPHA</nameOfIssuer>
         <titleOfClass>SHS ISSUED FRST</titleOfClass>
         <cusip>33733C108</cusip>
         <value>1531</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NY ARCA BIOTECH</titleOfClass>
         <cusip>33733E203</cusip>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DJ INTERNT IDX</titleOfClass>
         <cusip>33733E302</cusip>
         <value>32186</value>
         <shrsOrPrnAmt>
             <sshPrnamt>171312</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAS CLNEDG GREEN</titleOfClass>
         <cusip>33733E500</cusip>
         <value>6945</value>
         <shrsOrPrnAmt>
             <sshPrnamt>107456</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>FIRST TR MULTI CAP GROWTH AL</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33733F101</cusip>
         <value>641</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5715</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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         <nameOfIssuer>FIRST TR NASDAQ 100 TECH IND</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337345102</cusip>
         <value>7535</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49412</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>3011</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR SML CP CORE ALPHA F</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33734Y109</cusip>
         <value>2731</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29818</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>28989</Sole>
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             <None>829</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR LRG CP VL ALPHADEX</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735J101</cusip>
         <value>5276</value>
         <shrsOrPrnAmt>
             <sshPrnamt>74808</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>70090</Sole>
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             <None>4718</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>GBL WND ENRG ETF</titleOfClass>
         <cusip>33736G106</cusip>
         <value>163</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8268</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>8268</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>SML CAP VAL ALPH</titleOfClass>
         <cusip>33737M409</cusip>
         <value>3557</value>
         <shrsOrPrnAmt>
             <sshPrnamt>69629</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>68833</Sole>
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             <None>796</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR TA HIYL</titleOfClass>
         <cusip>33738D408</cusip>
         <value>18748</value>
         <shrsOrPrnAmt>
             <sshPrnamt>409712</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>3709</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ BK ETF</titleOfClass>
         <cusip>33738R860</cusip>
         <value>1441</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45330</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>41962</Sole>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DORSEY WRIGHT</titleOfClass>
         <cusip>33738R878</cusip>
         <value>505</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13784</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>1610</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR MLP &amp; ENERGY INCOM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33739B104</cusip>
         <value>179</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21648</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>21648</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>PFD SECS INC ETF</titleOfClass>
         <cusip>33739E108</cusip>
         <value>42560</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2237668</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>44351</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>INSTL PFD SECS</titleOfClass>
         <cusip>33739P855</cusip>
         <value>3211</value>
         <shrsOrPrnAmt>
             <sshPrnamt>165522</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>11729</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>TCW OPPORTUNIS</titleOfClass>
         <cusip>33740F805</cusip>
         <value>21448</value>
         <shrsOrPrnAmt>
             <sshPrnamt>432558</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>416279</Sole>
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             <None>16279</None>
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     <infoTable>
         <nameOfIssuer>FLAHERTY &amp; CRUMRINE PFD INCO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33848E106</cusip>
         <value>106</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9250</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>9250</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LIBERTY ALL-STAR GROWTH FD I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>529900102</cusip>
         <value>1956</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>259448</Sole>
             <Shared>0</Shared>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
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         <nameOfIssuer>IRON MTN INC NEW</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>ISHARES INC</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <value>10548</value>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>DJ REIT ETF</titleOfClass>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <value>1390</value>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78464A789</cusip>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <value>372</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>513847103</cusip>
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         <value>1305</value>
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         <cusip>52468L406</cusip>
         <value>807</value>
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         <nameOfIssuer>LENNOX INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>526107107</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>264</value>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <value>1499</value>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <value>4187</value>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <value>980</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78469X107</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US TIPS ETF</titleOfClass>
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         <value>22252</value>
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     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
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     <infoTable>
         <nameOfIssuer>SEABRIDGE GOLD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>370</value>
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             <None>659</None>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>34047</value>
         <shrsOrPrnAmt>
             <sshPrnamt>448629</sshPrnamt>
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             <None>24847</None>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>27554</value>
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             <sshPrnamt>400605</sshPrnamt>
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             <None>7290</None>
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     <infoTable>
         <nameOfIssuer>ISHARES U S ETF TR</nameOfIssuer>
         <titleOfClass>GSCI CMDTY STGY</titleOfClass>
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         <value>13879</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>30341</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE MSCI TOTAL</titleOfClass>
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         <value>1846</value>
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     <infoTable>
         <nameOfIssuer>ISHARES INC</nameOfIssuer>
         <titleOfClass>MSCI TAIWAN ETF</titleOfClass>
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         <value>4159</value>
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     <infoTable>
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         <value>34</value>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MSCI USA MULTIFT</titleOfClass>
         <cusip>46434V282</cusip>
         <value>861</value>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MSCI UK ETF NEW</titleOfClass>
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         <value>17736</value>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MSCI USA SMCP MN</titleOfClass>
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         <value>28</value>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>FALN ANGLS USD</titleOfClass>
         <cusip>46435G474</cusip>
         <value>16404</value>
         <shrsOrPrnAmt>
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         <otherManager>1</otherManager>
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             <None>14929</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBDS DEC28 ETF</titleOfClass>
         <cusip>46435U515</cusip>
         <value>2345</value>
         <shrsOrPrnAmt>
             <sshPrnamt>89020</sshPrnamt>
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             <None>2864</None>
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     <infoTable>
         <nameOfIssuer>MODERNA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>60770K107</cusip>
         <value>11419</value>
         <shrsOrPrnAmt>
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         <otherManager>1</otherManager>
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             <None>5403</None>
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     <infoTable>
         <nameOfIssuer>MOELIS &amp; CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>60786M105</cusip>
         <value>5629</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>7632</None>
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     <infoTable>
         <nameOfIssuer>MORNINGSTAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>617700109</cusip>
         <value>3762</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>252</None>
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     <infoTable>
         <nameOfIssuer>MOTOROLA SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>620076307</cusip>
         <value>11827</value>
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             <None>812</None>
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     <infoTable>
         <nameOfIssuer>NCR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>62886E108</cusip>
         <value>11352</value>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>631103108</cusip>
         <value>8358</value>
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     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>95255</value>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>47961</value>
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     <infoTable>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>82452J109</cusip>
         <value>417</value>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>82489T104</cusip>
         <value>10566</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>82669G104</cusip>
         <value>14721</value>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>83303Y105</cusip>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
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         <value>4924</value>
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     <infoTable>
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         <value>374</value>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>84833T103</cusip>
         <value>327</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>7837</value>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DANAOS CORPORATION</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>Y1968P121</cusip>
         <value>2713</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26449</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>25528</Sole>
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             <None>921</None>
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     <infoTable>
         <nameOfIssuer>NAVIGATOR HLDGS LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>Y62132108</cusip>
         <value>1649</value>
         <shrsOrPrnAmt>
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         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>116233</Sole>
             <Shared>0</Shared>
             <None>18810</None>
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     <infoTable>
         <nameOfIssuer>STAR BULK CARRIERS CORP.</nameOfIssuer>
         <titleOfClass>SHS PAR</titleOfClass>
         <cusip>Y8162K204</cusip>
         <value>14975</value>
         <shrsOrPrnAmt>
             <sshPrnamt>504366</sshPrnamt>
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         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>481231</Sole>
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             <None>23135</None>
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     <infoTable>
         <nameOfIssuer>NICE LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>653656108</cusip>
         <value>1874</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8555</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <Sole>8087</Sole>
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             <None>468</None>
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     <infoTable>
         <nameOfIssuer>NIKE INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>654106103</cusip>
         <value>177827</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1321473</sshPrnamt>
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             <None>47031</None>
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     <infoTable>
         <nameOfIssuer>NORTH AMERN CONSTR GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>656811106</cusip>
         <value>2103</value>
         <shrsOrPrnAmt>
             <sshPrnamt>145641</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>1250</None>
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     <infoTable>
         <nameOfIssuer>NORTHERN OIL AND GAS INC MN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>665531307</cusip>
         <value>1879</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66670</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>NORTHERN TECHNOLOGIES INTL C</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>665809109</cusip>
         <value>201</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16691</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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     <infoTable>
         <nameOfIssuer>NORTHWEST PIPE CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>667746101</cusip>
         <value>289</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11342</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>367</None>
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     <infoTable>
         <nameOfIssuer>NOVAGOLD RES INC</nameOfIssuer>
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         <cusip>66987E206</cusip>
         <value>106</value>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO SHORT</titleOfClass>
         <cusip>78464A474</cusip>
         <value>16310</value>
         <shrsOrPrnAmt>
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         <otherManager>1</otherManager>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>FTSE INT GVT ETF</titleOfClass>
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         <value>331</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <value>88929</value>
         <shrsOrPrnAmt>
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         <votingAuthority>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>HLTH CARE SVCS</titleOfClass>
         <cusip>78464A573</cusip>
         <value>218</value>
         <shrsOrPrnAmt>
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         <otherManager>1</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLI S&amp;P1500</titleOfClass>
         <cusip>78464A805</cusip>
         <value>884</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15899</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>1</otherManager>
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             <Sole>15899</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP GRW</titleOfClass>
         <cusip>78464A821</cusip>
         <value>28105</value>
         <shrsOrPrnAmt>
             <sshPrnamt>378729</sshPrnamt>
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         <otherManager>1</otherManager>
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             <Sole>368058</Sole>
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             <None>10671</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
         <cusip>78464A839</cusip>
         <value>52244</value>
         <shrsOrPrnAmt>
             <sshPrnamt>742308</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>21110</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P HOMEBUILD</titleOfClass>
         <cusip>78464A888</cusip>
         <value>6625</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>BLACKSTONE SENR</titleOfClass>
         <cusip>78467V608</cusip>
         <value>28928</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78468R200</cusip>
         <value>867</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28423</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>28423</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78468R556</cusip>
         <value>6917</value>
         <shrsOrPrnAmt>
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             <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>
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         <titleOfClass>UNIT COM</titleOfClass>
         <cusip>67058H102</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>21015</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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     <infoTable>
         <nameOfIssuer>NUVEEN SELECT MAT MUN FD</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>67061T101</cusip>
         <value>61</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6352</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN N Y MUN VALUE FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67062M105</cusip>
         <value>432</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47912</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>47786</Sole>
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             <None>126</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN S&amp;P 500 DYNAMIC OVERW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>6706EW100</cusip>
         <value>364</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20274</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20274</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN MUNICIPAL CREDIT INC</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>67070X101</cusip>
         <value>2243</value>
         <shrsOrPrnAmt>
             <sshPrnamt>153557</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>1818</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME TERM FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67075A106</cusip>
         <value>5438</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>241900</Sole>
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             <None>5400</None>
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     <infoTable>
         <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67077M108</cusip>
         <value>29478</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>26411</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670928100</cusip>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
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         <value>396</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS DEC2022</titleOfClass>
         <cusip>46435G755</cusip>
         <value>1937</value>
         <shrsOrPrnAmt>
             <sshPrnamt>74722</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ESG MSCI LEADR</titleOfClass>
         <cusip>46435U218</cusip>
         <value>348</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>543</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS DEC 28</titleOfClass>
         <cusip>46435U325</cusip>
         <value>1312</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51492</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ESG AWR US AGRGT</titleOfClass>
         <cusip>46435U549</cusip>
         <value>368</value>
         <shrsOrPrnAmt>
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         <otherManager>1</otherManager>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>46625H100</cusip>
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             <None>121902</None>
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     <infoTable>
         <nameOfIssuer>J P MORGAN EXCHANGE-TRADED F</nameOfIssuer>
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         <cusip>46641Q407</cusip>
         <value>352</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3370</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>117</None>
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     <infoTable>
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         <titleOfClass>SPON ADR CL A</titleOfClass>
         <cusip>47215P106</cusip>
         <value>4597</value>
         <shrsOrPrnAmt>
             <sshPrnamt>79437</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>77628</Sole>
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             <None>1809</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JEFFERIES FINL GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>47233W109</cusip>
         <value>553</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16846</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16763</Sole>
             <Shared>0</Shared>
             <None>83</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JOHN HANCOCK EXCHANGE TRADED</nameOfIssuer>
         <titleOfClass>MULTIFACTOR MI</titleOfClass>
         <cusip>47804J206</cusip>
         <value>3877</value>
         <shrsOrPrnAmt>
             <sshPrnamt>73787</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>73703</Sole>
             <Shared>0</Shared>
             <None>84</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>*W EXP 08/03/202</titleOfClass>
         <cusip>674599162</cusip>
         <value>1110</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31511</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>29129</Sole>
             <Shared>0</Shared>
             <None>2382</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OFFICE PPTYS INCOME TR</nameOfIssuer>
         <titleOfClass>COM SHS BEN INT</titleOfClass>
         <cusip>67623C109</cusip>
         <value>353</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13729</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13679</Sole>
             <Shared>0</Shared>
             <None>50</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OPENDOOR TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>683712103</cusip>
         <value>48</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OPKO HEALTH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68375N103</cusip>
         <value>52</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15210</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15210</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OPORTUN FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68376D104</cusip>
         <value>857</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59665</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>59054</Sole>
             <Shared>0</Shared>
             <None>611</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OPTIMIZERX CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>68401U204</cusip>
         <value>278</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7284</Sole>
             <Shared>0</Shared>
             <None>91</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAFEHOLD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78645L100</cusip>
         <value>1192</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21494</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21194</Sole>
             <Shared>0</Shared>
             <None>300</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANOFI</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>80105N105</cusip>
         <value>17890</value>
         <shrsOrPrnAmt>
             <sshPrnamt>348468</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>338726</Sole>
             <Shared>0</Shared>
             <None>9742</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>6561</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59132</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>58490</Sole>
             <Shared>0</Shared>
             <None>642</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806407102</cusip>
         <value>36459</value>
         <shrsOrPrnAmt>
             <sshPrnamt>418154</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>395601</Sole>
             <Shared>0</Shared>
             <None>22553</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>359</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9771</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9463</Sole>
             <Shared>0</Shared>
             <None>308</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OTTER TAIL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>689648103</cusip>
         <value>186</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2974</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2754</Sole>
             <Shared>0</Shared>
             <None>220</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OUTFRONT MEDIA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69007J106</cusip>
         <value>1190</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41872</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6602</Sole>
             <Shared>0</Shared>
             <None>35270</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PACCAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693718108</cusip>
         <value>6008</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68216</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>67025</Sole>
             <Shared>0</Shared>
             <None>1191</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
         <titleOfClass>DEVELOPED MRKT</titleOfClass>
         <cusip>69374H873</cusip>
         <value>583</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18691</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16644</Sole>
             <Shared>0</Shared>
             <None>2047</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PACIFIC PREMIER BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69478X105</cusip>
         <value>227</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6430</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>880</Sole>
             <Shared>0</Shared>
             <None>5550</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PAGERDUTY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69553P100</cusip>
         <value>1073</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31391</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>30636</Sole>
             <Shared>0</Shared>
             <None>755</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>98238</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1982989</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1915620</Sole>
             <Shared>0</Shared>
             <None>67369</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWEITZER-MAUDUIT INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808541106</cusip>
         <value>592</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21536</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20961</Sole>
             <Shared>0</Shared>
             <None>575</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>24789</value>
         <shrsOrPrnAmt>
             <sshPrnamt>281209</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>272486</Sole>
             <Shared>0</Shared>
             <None>8723</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>73609</value>
         <shrsOrPrnAmt>
             <sshPrnamt>537323</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>522418</Sole>
             <Shared>0</Shared>
             <None>14905</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>70424</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1837786</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1778748</Sole>
             <Shared>0</Shared>
             <None>59038</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>113442</value>
         <shrsOrPrnAmt>
             <sshPrnamt>713775</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>688455</Sole>
             <Shared>0</Shared>
             <None>25320</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>478160104</cusip>
         <value>384012</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2166640</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2088989</Sole>
             <Shared>0</Shared>
             <None>77651</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JONES LANG LASALLE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>48020Q107</cusip>
         <value>1009</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4214</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>931</Sole>
             <Shared>0</Shared>
             <None>3283</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>KADANT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>48282T104</cusip>
         <value>508</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2615</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2612</Sole>
             <Shared>0</Shared>
             <None>3</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>KB HOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>48666K109</cusip>
         <value>954</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29460</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>26213</Sole>
             <Shared>0</Shared>
             <None>3247</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>KELLOGG CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>487836108</cusip>
         <value>1887</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29235</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>28264</Sole>
             <Shared>0</Shared>
             <None>971</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>KEYCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>493267108</cusip>
         <value>22605</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1010065</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>974599</Sole>
             <Shared>0</Shared>
             <None>35466</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>KIMBALL INTL INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>494274103</cusip>
         <value>377</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44557</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>50</Sole>
             <Shared>0</Shared>
             <None>44507</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>KINROSS GOLD CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>496902404</cusip>
         <value>58</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9902</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9902</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>500754106</cusip>
         <value>23682</value>
         <shrsOrPrnAmt>
             <sshPrnamt>601226</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>561008</Sole>
             <Shared>0</Shared>
             <None>40218</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>KRANESHARES TR</nameOfIssuer>
         <titleOfClass>QUADRTC INT RT</titleOfClass>
         <cusip>500767736</cusip>
         <value>7925</value>
         <shrsOrPrnAmt>
             <sshPrnamt>309311</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>303199</Sole>
             <Shared>0</Shared>
             <None>6112</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PATRICK INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>703343103</cusip>
         <value>1101</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18256</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>18250</Sole>
             <Shared>0</Shared>
             <None>6</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>704326107</cusip>
         <value>74293</value>
         <shrsOrPrnAmt>
             <sshPrnamt>544355</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>534953</Sole>
             <Shared>0</Shared>
             <None>9402</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PAYCOM SOFTWARE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70432V102</cusip>
         <value>10638</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30711</sshPrnamt>
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         <titleOfClass>LONG TERM TREAS</titleOfClass>
         <cusip>92206C847</cusip>
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         <cusip>922908512</cusip>
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         <cusip>922908769</cusip>
         <value>83567</value>
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         <nameOfIssuer>NATIONAL RETAIL PROPERTIES I</nameOfIssuer>
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         <cusip>392709101</cusip>
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         <cusip>39874R101</cusip>
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         <value>1978</value>
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         <cusip>41653L305</cusip>
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         <cusip>922908595</cusip>
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         <cusip>922908652</cusip>
         <value>4201</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25349</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>25248</Sole>
             <Shared>0</Shared>
             <None>101</None>
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         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>277263</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5442911</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5163962</Sole>
             <Shared>0</Shared>
             <None>278949</None>
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     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>11721</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54607</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>51419</Sole>
             <Shared>0</Shared>
             <None>3188</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERICEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92346J108</cusip>
         <value>662</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17332</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17194</Sole>
             <Shared>0</Shared>
             <None>138</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NETEASE INC</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>64110W102</cusip>
         <value>483</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5381</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5362</Sole>
             <Shared>0</Shared>
             <None>19</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NEW FORTRESS ENERGY INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>644393100</cusip>
         <value>191</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4472</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3472</Sole>
             <Shared>0</Shared>
             <None>1000</None>
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     <infoTable>
         <nameOfIssuer>NEWAGE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>650194103</cusip>
         <value>22</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>38700</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN MUN CR OPPORTUNITIES</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670663103</cusip>
         <value>597</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44241</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>44241</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
         <value>289892</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1062389</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>999803</Sole>
             <Shared>0</Shared>
             <None>62586</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN INT DUR QUAL MUN TRM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670677103</cusip>
         <value>1001</value>
         <shrsOrPrnAmt>
             <sshPrnamt>73830</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>69830</Sole>
             <Shared>0</Shared>
             <None>4000</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN SR INCOME FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67067Y104</cusip>
         <value>612</value>
         <shrsOrPrnAmt>
             <sshPrnamt>107891</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>87014</Sole>
             <Shared>0</Shared>
             <None>20877</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN NASDAQ 100 DYNAMIC OV</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>670699107</cusip>
         <value>1446</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50836</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>44192</Sole>
             <Shared>0</Shared>
             <None>6644</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCM SECURTIES</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072C105</cusip>
         <value>648</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>71512</Sole>
             <Shared>0</Shared>
             <None>5626</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN CR STRATEGIES INCOME</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67073D102</cusip>
         <value>1736</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>17998</None>
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         <nameOfIssuer>NUVEEN CORE PLUS IMPACT FUND</nameOfIssuer>
         <titleOfClass>COM BEN INT</titleOfClass>
         <cusip>67080D103</cusip>
         <value>736</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48970</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>41070</Sole>
             <Shared>0</Shared>
             <None>7900</None>
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         <nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670837103</cusip>
         <value>5077</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124498</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>121628</Sole>
             <Shared>0</Shared>
             <None>2870</None>
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         <nameOfIssuer>PARAMOUNT GLOBAL</nameOfIssuer>
         <titleOfClass>5.75% CONV PFD A</titleOfClass>
         <cusip>92556H305</cusip>
         <value>322</value>
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             <sshPrnamt>5795</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>5795</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
         <titleOfClass>VCSHS US DISCVRY</titleOfClass>
         <cusip>92647N774</cusip>
         <value>4340</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72416</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>72350</Sole>
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             <None>66</None>
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     <infoTable>
         <nameOfIssuer>VIPER ENERGY PARTNERS LP</nameOfIssuer>
         <titleOfClass>COM UNT RP INT</titleOfClass>
         <cusip>92763M105</cusip>
         <value>214</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2741</Sole>
             <Shared>0</Shared>
             <None>4498</None>
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     <infoTable>
         <nameOfIssuer>VOYA FINANCIAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929089100</cusip>
         <value>1315</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19821</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>5347</None>
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         <nameOfIssuer>WNS HLDGS LTD</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>92932M101</cusip>
         <value>1718</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>19982</Sole>
             <Shared>0</Shared>
             <None>118</None>
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     <infoTable>
         <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92939U106</cusip>
         <value>12365</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>118577</Sole>
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             <None>5285</None>
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         <nameOfIssuer>WASTE CONNECTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106B101</cusip>
         <value>27373</value>
         <shrsOrPrnAmt>
             <sshPrnamt>195932</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>173904</Sole>
             <Shared>0</Shared>
             <None>22028</None>
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     <infoTable>
         <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106L109</cusip>
         <value>198125</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1215939</Sole>
             <Shared>0</Shared>
             <None>34014</None>
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         <nameOfIssuer>WATTS WATER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>942749102</cusip>
         <value>5875</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>37923</Sole>
             <Shared>0</Shared>
             <None>4163</None>
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         <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
         <titleOfClass>PERP PFD CNV A</titleOfClass>
         <cusip>949746804</cusip>
         <value>5692</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3939</Sole>
             <Shared>0</Shared>
             <None>357</None>
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     <infoTable>
         <nameOfIssuer>WESTERN ALLIANCE BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>957638109</cusip>
         <value>11317</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>131556</Sole>
             <Shared>0</Shared>
             <None>5095</None>
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         <nameOfIssuer>VROOM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92918V109</cusip>
         <value>150</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56513</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>52493</Sole>
             <Shared>0</Shared>
             <None>4020</None>
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     <infoTable>
         <nameOfIssuer>WD 40 CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929236107</cusip>
         <value>3263</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17454</Sole>
             <Shared>0</Shared>
             <None>354</None>
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     <infoTable>
         <nameOfIssuer>WPP PLC NEW</nameOfIssuer>
         <titleOfClass>ADR</titleOfClass>
         <cusip>92937A102</cusip>
         <value>937</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14318</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>14240</Sole>
             <Shared>0</Shared>
             <None>78</None>
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     <infoTable>
         <nameOfIssuer>WABASH NATL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929566107</cusip>
         <value>401</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27047</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>27047</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>WESCO INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>95082P105</cusip>
         <value>4841</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>36670</Sole>
             <Shared>0</Shared>
             <None>531</None>
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     <infoTable>
         <nameOfIssuer>WESTERN ASSET MANAGED MUNS F</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>95766M105</cusip>
         <value>358</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30839</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>30839</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>WESTERN ASSET MUN PARTNERS F</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>95766P108</cusip>
         <value>225</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16695</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>16695</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>WESTERN AST INFL LKD OPP &amp; I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>95766R104</cusip>
         <value>6055</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>488608</Sole>
             <Shared>0</Shared>
             <None>15599</None>
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     <infoTable>
         <nameOfIssuer>WESTERN DIGITAL CORP.</nameOfIssuer>
         <titleOfClass>NOTE 1.500% 2/0</titleOfClass>
         <cusip>958102AP0</cusip>
         <value>72</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72375</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>62725</Sole>
             <Shared>0</Shared>
             <None>9650</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN PENNSYLVANIA QLT MUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670972108</cusip>
         <value>354</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26238</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>25738</Sole>
             <Shared>0</Shared>
             <None>500</None>
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     <infoTable>
         <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103H107</cusip>
         <value>19967</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29150</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <titleOfClass>COM</titleOfClass>
         <cusip>670657105</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>67066Y105</cusip>
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         <titleOfClass>COM SHS</titleOfClass>
         <cusip>6706EN100</cusip>
         <value>222</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>67071L106</cusip>
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         <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67074C103</cusip>
         <value>1004</value>
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         <titleOfClass>COM SHS BEN INT</titleOfClass>
         <cusip>67075T105</cusip>
         <value>277</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>LUMENTUM HLDGS INC</nameOfIssuer>
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         <nameOfIssuer>MBIA INC</nameOfIssuer>
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         <nameOfIssuer>MFA FINL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>55272X102</cusip>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <value>55959</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>56501R106</cusip>
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     <infoTable>
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     <infoTable>
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         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>23483</value>
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             <None>13048</None>
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         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LCAP VA ETF</titleOfClass>
         <cusip>808524409</cusip>
         <value>472</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>SEACOAST BKG CORP FLA</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>811707801</cusip>
         <value>476</value>
         <shrsOrPrnAmt>
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             <None>15</None>
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         <nameOfIssuer>SEAGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81181C104</cusip>
         <value>3742</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25975</sshPrnamt>
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         <otherManager>1</otherManager>
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             <None>235</None>
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         <nameOfIssuer>SEAWORLD ENTMT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81282V100</cusip>
         <value>2063</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27714</sshPrnamt>
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             <None>782</None>
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         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>38661</value>
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             <sshPrnamt>519173</sshPrnamt>
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         <otherManager>1</otherManager>
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             <None>16602</None>
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         <nameOfIssuer>MOHAWK INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>608190104</cusip>
         <value>3468</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27924</sshPrnamt>
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         <otherManager>1</otherManager>
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             <None>736</None>
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         <nameOfIssuer>MOMENTIVE GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>60878Y108</cusip>
         <value>547</value>
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             <sshPrnamt>33657</sshPrnamt>
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         <otherManager>1</otherManager>
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             <None>23</None>
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         <nameOfIssuer>MONTROSE ENVIRONMENTAL GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>615111101</cusip>
         <value>437</value>
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         <otherManager>1</otherManager>
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             <None>68</None>
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         <nameOfIssuer>MUELLER INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>624756102</cusip>
         <value>138</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>NVR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>62944T105</cusip>
         <value>5334</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1194</sshPrnamt>
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             <None>14</None>
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         <nameOfIssuer>NANOSTRING TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>63009R109</cusip>
         <value>399</value>
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             <None>92</None>
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         <nameOfIssuer>NATIONAL GRID PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR NE</titleOfClass>
         <cusip>636274409</cusip>
         <value>13067</value>
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             <None>8454</None>
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         <nameOfIssuer>NCINO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>63947X101</cusip>
         <value>1360</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33185</sshPrnamt>
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         <otherManager>1</otherManager>
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             <None>552</None>
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         <nameOfIssuer>NETSTREIT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>64119V303</cusip>
         <value>367</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16351</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>45</None>
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         <nameOfIssuer>NEUROCRINE BIOSCIENCES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>64125C109</cusip>
         <value>2008</value>
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         <otherManager>1</otherManager>
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             <None>868</None>
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         <nameOfIssuer>NEWELL BRANDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>651229106</cusip>
         <value>3812</value>
         <shrsOrPrnAmt>
             <sshPrnamt>178059</sshPrnamt>
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         <otherManager>1</otherManager>
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             <None>30550</None>
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         <nameOfIssuer>NORTHERN DYNASTY MINERALS LT</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>66510M204</cusip>
         <value>11</value>
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         <otherManager>1</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NORTHERN TR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>665859104</cusip>
         <value>7037</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60431</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>1</otherManager>
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             <Sole>58785</Sole>
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             <None>1646</None>
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     <infoTable>
         <nameOfIssuer>NORTHWEST NAT HLDG CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>66765N105</cusip>
         <value>257</value>
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         <otherManager>1</otherManager>
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             <None>149</None>
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         <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>66987V109</cusip>
         <value>28067</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>9324</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN CALIFORNIA AMT QLT MU</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670651108</cusip>
         <value>102</value>
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         <otherManager>1</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN FLOATING RATE INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072T108</cusip>
         <value>118</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>11642</Sole>
             <Shared>0</Shared>
             <None>133</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN GLOBAL HIGH INCOME FD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>67075G103</cusip>
         <value>163</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>11470</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG LRGVL</titleOfClass>
         <cusip>67092P300</cusip>
         <value>522</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13718</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>13444</Sole>
             <Shared>0</Shared>
             <None>274</None>
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     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>35022</value>
         <shrsOrPrnAmt>
             <sshPrnamt>208314</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>16037</None>
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     <infoTable>
         <nameOfIssuer>SENSEONICS HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81727U105</cusip>
         <value>50</value>
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         <otherManager>1</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SERVICE PPTYS TR</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>81761L102</cusip>
         <value>170</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>1159</None>
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     <infoTable>
         <nameOfIssuer>SHOE CARNIVAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824889109</cusip>
         <value>6431</value>
         <shrsOrPrnAmt>
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         <otherManager>1</otherManager>
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             <None>5623</None>
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     <infoTable>
         <nameOfIssuer>SHUTTERSTOCK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825690100</cusip>
         <value>1462</value>
         <shrsOrPrnAmt>
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             <None>1305</None>
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     <infoTable>
         <nameOfIssuer>SILK RD MED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82710M100</cusip>
         <value>549</value>
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         <otherManager>1</otherManager>
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             <None>1095</None>
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     <infoTable>
         <nameOfIssuer>SIMPSON MFG INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>829073105</cusip>
         <value>7821</value>
         <shrsOrPrnAmt>
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             <None>6412</None>
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         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
         <cusip>67092P607</cusip>
         <value>278</value>
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         <otherManager>1</otherManager>
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             <None>792</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN OHIO QLTY MUN INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670980101</cusip>
         <value>1165</value>
         <shrsOrPrnAmt>
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         <otherManager>1</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OMEGA FLEX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682095104</cusip>
         <value>1235</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9507</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>9333</Sole>
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             <None>174</None>
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     <infoTable>
         <nameOfIssuer>ON SEMICONDUCTOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682189105</cusip>
         <value>1109</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>17496</Sole>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US BRD MKT ETF</titleOfClass>
         <cusip>808524102</cusip>
         <value>570</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10681</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10681</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US REIT ETF</titleOfClass>
         <cusip>808524847</cusip>
         <value>2763</value>
         <shrsOrPrnAmt>
             <sshPrnamt>110997</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>110717</Sole>
             <Shared>0</Shared>
             <None>280</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTRM TRM TRES</titleOfClass>
         <cusip>808524854</cusip>
         <value>132046</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2479658</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2390070</Sole>
             <Shared>0</Shared>
             <None>89588</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81211K100</cusip>
         <value>3046</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45495</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>45044</Sole>
             <Shared>0</Shared>
             <None>451</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>45863</value>
         <shrsOrPrnAmt>
             <sshPrnamt>247896</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>242984</Sole>
             <Shared>0</Shared>
             <None>4912</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>70490</value>
         <shrsOrPrnAmt>
             <sshPrnamt>922147</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>885823</Sole>
             <Shared>0</Shared>
             <None>36324</None>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>26765</value>
         <shrsOrPrnAmt>
             <sshPrnamt>259906</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>11236</None>
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     <infoTable>
         <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>81730H109</cusip>
         <value>25070</value>
         <shrsOrPrnAmt>
             <sshPrnamt>647124</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>645759</Sole>
             <Shared>0</Shared>
             <None>1365</None>
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     <infoTable>
         <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>817565104</cusip>
         <value>823</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12507</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>11757</Sole>
             <Shared>0</Shared>
             <None>750</None>
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     <infoTable>
         <nameOfIssuer>SERVISFIRST BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81768T108</cusip>
         <value>6722</value>
         <shrsOrPrnAmt>
             <sshPrnamt>70540</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>69221</Sole>
             <Shared>0</Shared>
             <None>1319</None>
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     <infoTable>
         <nameOfIssuer>SIENTRA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82621J105</cusip>
         <value>128</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57800</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>57025</Sole>
             <Shared>0</Shared>
             <None>775</None>
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     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>46145</value>
         <shrsOrPrnAmt>
             <sshPrnamt>350750</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>337133</Sole>
             <Shared>0</Shared>
             <None>13617</None>
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     <infoTable>
         <nameOfIssuer>SIMPLY GOOD FOODS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82900L102</cusip>
         <value>510</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13443</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12008</Sole>
             <Shared>0</Shared>
             <None>1435</None>
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     <infoTable>
         <nameOfIssuer>SKYLINE CHAMPION CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>830830105</cusip>
         <value>312</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5693</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5289</Sole>
             <Shared>0</Shared>
             <None>404</None>
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     <infoTable>
         <nameOfIssuer>SONIC AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>83545G102</cusip>
         <value>232</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5449</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5449</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SOVOS BRANDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>84612U107</cusip>
         <value>622</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43842</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>43842</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPIRIT OF TEX BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>84861D103</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>600</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>600</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPLUNK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>848637104</cusip>
         <value>21504</value>
         <shrsOrPrnAmt>
             <sshPrnamt>144701</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>142099</Sole>
             <Shared>0</Shared>
             <None>2602</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPROTT PHYSICAL GOLD TR</nameOfIssuer>
         <titleOfClass>UNIT</titleOfClass>
         <cusip>85207H104</cusip>
         <value>2955</value>
         <shrsOrPrnAmt>
             <sshPrnamt>192259</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>190956</Sole>
             <Shared>0</Shared>
             <None>1303</None>
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     <infoTable>
         <nameOfIssuer>STANDARD LITHIUM LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>853606101</cusip>
         <value>110</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12450</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
         <value>182248</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2003314</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1949063</Sole>
             <Shared>0</Shared>
             <None>54251</None>
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     <infoTable>
         <nameOfIssuer>STERLING CONSTR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>859241101</cusip>
         <value>233</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8700</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WALMART INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931142103</cusip>
         <value>247044</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1658835</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1596266</Sole>
             <Shared>0</Shared>
             <None>62569</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WESBANCO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>950810101</cusip>
         <value>596</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17359</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17181</Sole>
             <Shared>0</Shared>
             <None>178</None>
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     <infoTable>
         <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>955306105</cusip>
         <value>32017</value>
         <shrsOrPrnAmt>
             <sshPrnamt>77950</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>76441</Sole>
             <Shared>0</Shared>
             <None>1509</None>
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     <infoTable>
         <nameOfIssuer>WESTERN ASSET HIGH YIELD DEF</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>95768B107</cusip>
         <value>1424</value>
         <shrsOrPrnAmt>
             <sshPrnamt>102622</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>99657</Sole>
             <Shared>0</Shared>
             <None>2965</None>
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     <infoTable>
         <nameOfIssuer>WESTERN DIGITAL CORP.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>958102105</cusip>
         <value>14311</value>
         <shrsOrPrnAmt>
             <sshPrnamt>288229</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>148217</Sole>
             <Shared>0</Shared>
             <None>140012</None>
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     <infoTable>
         <nameOfIssuer>SUNRUN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>86771W105</cusip>
         <value>293</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9642</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6612</Sole>
             <Shared>0</Shared>
             <None>3030</None>
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     <infoTable>
         <nameOfIssuer>SURFACE ONCOLOGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>86877M209</cusip>
         <value>964</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>216610</Sole>
             <Shared>0</Shared>
             <None>111394</None>
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     <infoTable>
         <nameOfIssuer>SYNOVUS FINL CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>87161C501</cusip>
         <value>9606</value>
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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>7665</None>
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     <infoTable>
         <nameOfIssuer>SYNEOS HEALTH INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>87166B102</cusip>
         <value>913</value>
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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>35</None>
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     <infoTable>
         <nameOfIssuer>TCW STRATEGIC INCOME FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872340104</cusip>
         <value>64</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12431</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12431</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TFF PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87241J104</cusip>
         <value>136</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TFI INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87241L109</cusip>
         <value>1900</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17839</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15842</Sole>
             <Shared>0</Shared>
             <None>1997</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TATA MTRS LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>876568502</cusip>
         <value>1450</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51881</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>49602</Sole>
             <Shared>0</Shared>
             <None>2279</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TEKLA WORLD HEALTHCARE FD</nameOfIssuer>
         <titleOfClass>BEN INT SHS</titleOfClass>
         <cusip>87911L108</cusip>
         <value>755</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49557</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>49300</Sole>
             <Shared>0</Shared>
             <None>257</None>
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     <infoTable>
         <nameOfIssuer>TEMPLETON DRAGON FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88018T101</cusip>
         <value>778</value>
         <shrsOrPrnAmt>
             <sshPrnamt>58099</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>56712</Sole>
             <Shared>0</Shared>
             <None>1387</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TEMPLETON EMERGING MKTS FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>880191101</cusip>
         <value>2759</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200674</sshPrnamt>
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         <nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>
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         <cusip>31620R303</cusip>
         <value>14</value>
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             <None>0</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>NATIONAL MUN ETF</titleOfClass>
         <cusip>464288414</cusip>
         <value>20</value>
         <shrsOrPrnAmt>
             <sshPrnamt>184</sshPrnamt>
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             <Sole>57</Sole>
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             <None>127</None>
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         <nameOfIssuer>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>97</value>
         <shrsOrPrnAmt>
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             <None>66</None>
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         <nameOfIssuer>GXO LOGISTICS INCORPORATED</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>36262G101</cusip>
         <value>1</value>
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         <nameOfIssuer>HALLIBURTON CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>406216101</cusip>
         <value>3</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <value>765</value>
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         <nameOfIssuer>JEFFERIES FINL GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>47233W109</cusip>
         <value>14</value>
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         <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>437076102</cusip>
         <value>83</value>
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             <Sole>234</Sole>
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             <None>42</None>
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         <nameOfIssuer>KINDER MORGAN INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>49456B101</cusip>
         <value>334</value>
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             <None>160</None>
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         <nameOfIssuer>KYNDRYL HLDGS INC</nameOfIssuer>
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         <cusip>50155Q100</cusip>
         <value>0</value>
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             <None>3</None>
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         <nameOfIssuer>MAGNOLIA OIL &amp; GAS CORP</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>559663109</cusip>
         <value>3</value>
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             <None>112</None>
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         <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>58933Y105</cusip>
         <value>3468</value>
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             <None>322</None>
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         <nameOfIssuer>MODERNA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>60770K107</cusip>
         <value>118</value>
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             <None>25</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
         <cusip>464288646</cusip>
         <value>4464</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86315</sshPrnamt>
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         <otherManager>2</otherManager>
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             <None>3202</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
         <cusip>464287655</cusip>
         <value>103</value>
         <shrsOrPrnAmt>
             <sshPrnamt>504</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>2</otherManager>
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             <Sole>504</Sole>
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             <None>0</None>
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         <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670657105</cusip>
         <value>6</value>
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             <sshPrnamt>493</sshPrnamt>
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             <None>366</None>
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         <nameOfIssuer>ONEMAIN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68268W103</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>236</sshPrnamt>
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         <nameOfIssuer>PPL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69351T106</cusip>
         <value>79</value>
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             <None>106</None>
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         <nameOfIssuer>PATRICK INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>703343103</cusip>
         <value>9</value>
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         <otherManager>2</otherManager>
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             <None>0</None>
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         <nameOfIssuer>INTERPUBLIC GROUP COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>460690100</cusip>
         <value>80</value>
         <shrsOrPrnAmt>
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         <otherManager>2</otherManager>
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             <None>63</None>
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         <nameOfIssuer>INVESCO TR INVT GRADE MUNS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46131M106</cusip>
         <value>6</value>
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             <None>411</None>
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         <nameOfIssuer>FASTENAL CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>311900104</cusip>
         <value>89</value>
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         <otherManager>2</otherManager>
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             <Sole>1455</Sole>
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             <None>37</None>
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         <nameOfIssuer>LESLIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>527064109</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>487</Sole>
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             <None>0</None>
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         <nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>573874104</cusip>
         <value>2</value>
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         <otherManager>2</otherManager>
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             <None>30</None>
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         <nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>494368103</cusip>
         <value>3266</value>
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             <None>157</None>
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         <nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>500754106</cusip>
         <value>294</value>
         <shrsOrPrnAmt>
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             <None>68</None>
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         <nameOfIssuer>ROBLOX CORP</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>771049103</cusip>
         <value>8</value>
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             <Sole>178</Sole>
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             <None>0</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>TIPS BD ETF</titleOfClass>
         <cusip>464287176</cusip>
         <value>478</value>
         <shrsOrPrnAmt>
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             <None>426</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE US AGGBD ET</titleOfClass>
         <cusip>464287226</cusip>
         <value>10058</value>
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         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>S&amp;P500 HDL VOL</titleOfClass>
         <cusip>46138E362</cusip>
         <value>64</value>
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         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>NATL AMT MUNI</titleOfClass>
         <cusip>46138E537</cusip>
         <value>21</value>
         <shrsOrPrnAmt>
             <sshPrnamt>837</sshPrnamt>
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         <nameOfIssuer>IRON MTN INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46284V101</cusip>
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             <None>50</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>1 3 YR TREAS BD</titleOfClass>
         <cusip>464287457</cusip>
         <value>942</value>
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             <sshPrnamt>11302</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
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             <None>1196</None>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG MU</titleOfClass>
         <cusip>78468R721</cusip>
         <value>20</value>
         <shrsOrPrnAmt>
             <sshPrnamt>412</sshPrnamt>
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             <None>284</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MBS ETF</titleOfClass>
         <cusip>464288588</cusip>
         <value>5502</value>
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         <otherManager>2</otherManager>
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             <None>2884</None>
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         <nameOfIssuer>MASIMO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>574795100</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
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             <Sole>56</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>57636Q104</cusip>
         <value>927</value>
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             <sshPrnamt>2595</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
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             <Sole>1806</Sole>
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             <None>789</None>
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         <nameOfIssuer>MEDICAL PPTYS TRUST INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <cusip>92189F528</cusip>
         <value>22</value>
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         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
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         <cusip>922042858</cusip>
         <value>724</value>
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         <cusip>46432F834</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>689648103</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>70450Y103</cusip>
         <value>702</value>
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         <value>18</value>
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         <value>3452</value>
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         <value>531</value>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>72201R866</cusip>
         <value>20</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>848637104</cusip>
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         <cusip>862121100</cusip>
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         <cusip>87612E106</cusip>
         <value>444</value>
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         <cusip>88160R101</cusip>
         <value>22</value>
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             <None>20</None>
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         <nameOfIssuer>UPSTART HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91680M107</cusip>
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         <nameOfIssuer>NETAPP INC</nameOfIssuer>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
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         <cusip>922908769</cusip>
         <value>10183</value>
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         <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME</nameOfIssuer>
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         <cusip>67066V101</cusip>
         <value>7</value>
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         <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
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         <value>334</value>
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         <nameOfIssuer>WEBSTER FINL CORP</nameOfIssuer>
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         <value>92</value>
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         <nameOfIssuer>WHIRLPOOL CORP</nameOfIssuer>
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         <value>99</value>
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         <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
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         <cusip>G02602103</cusip>
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         <nameOfIssuer>BUNGE LIMITED</nameOfIssuer>
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         <cusip>G16962105</cusip>
         <value>17</value>
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         <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
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         <cusip>742718109</cusip>
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         <cusip>98978V103</cusip>
         <value>9</value>
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         <nameOfIssuer>RH</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
         <value>60</value>
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         <nameOfIssuer>SABRA HEALTH CARE REIT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78573L106</cusip>
         <value>213</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>396</value>
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         <cusip>83545G102</cusip>
         <value>11</value>
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         <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
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         <cusip>874039100</cusip>
         <value>476</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>87612G101</cusip>
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         <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>617446448</cusip>
         <value>608</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>918204108</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>10</value>
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         <cusip>95082P105</cusip>
         <value>4</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>983793100</cusip>
         <value>12</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>458140100</cusip>
         <value>3041</value>
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         <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45866F104</cusip>
         <value>104</value>
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         <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>459200101</cusip>
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         <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
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             <None>100</None>
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         <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
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         <value>94</value>
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         <cusip>92189H201</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>05338G106</cusip>
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         <cusip>064058100</cusip>
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         <cusip>063671101</cusip>
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         <cusip>084423102</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>04010L103</cusip>
         <value>7</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>040413106</cusip>
         <value>25</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>04247X102</cusip>
         <value>27</value>
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         <otherManager>3</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>044186104</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>23</sshPrnamt>
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         <nameOfIssuer>CHART INDS INC</nameOfIssuer>
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         <nameOfIssuer>BLACKROCK SCIENCE &amp; TECHNOLO</nameOfIssuer>
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         <cusip>088606108</cusip>
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         <value>285</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>097023105</cusip>
         <value>911</value>
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         <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09857L108</cusip>
         <value>35</value>
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         <nameOfIssuer>BROOKFIELD INFRASTRUCTURE CO</nameOfIssuer>
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         <cusip>11275Q107</cusip>
         <value>41</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>122017106</cusip>
         <value>1</value>
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             <sshPrnamt>8</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>12572Q105</cusip>
         <value>5</value>
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         <cusip>133131102</cusip>
         <value>28</value>
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         <nameOfIssuer>CANADIAN NAT RES LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>136385101</cusip>
         <value>3</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>22160N109</cusip>
         <value>96</value>
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         <nameOfIssuer>COUPA SOFTWARE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>22266L106</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>106</sshPrnamt>
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         <nameOfIssuer>CURTISS WRIGHT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>231561101</cusip>
         <value>56</value>
         <shrsOrPrnAmt>
             <sshPrnamt>372</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>372</Sole>
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             <None>0</None>
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         <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
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         <value>192</value>
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         <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>149123101</cusip>
         <value>392</value>
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         <nameOfIssuer>CENTENE CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>15135B101</cusip>
         <value>940</value>
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         <nameOfIssuer>BROOKFIELD ASSET MGMT INC</nameOfIssuer>
         <titleOfClass>CL A LTD VT SH</titleOfClass>
         <cusip>112585104</cusip>
         <value>1108</value>
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         <nameOfIssuer>BUILDERS FIRSTSOURCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12008R107</cusip>
         <value>15</value>
         <shrsOrPrnAmt>
             <sshPrnamt>236</sshPrnamt>
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             <None>200</None>
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         <nameOfIssuer>CIGNA CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>125523100</cusip>
         <value>196</value>
         <shrsOrPrnAmt>
             <sshPrnamt>818</sshPrnamt>
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         <nameOfIssuer>CMS ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>125896100</cusip>
         <value>7</value>
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     <infoTable>
         <nameOfIssuer>DXC TECHNOLOGY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>23355L106</cusip>
         <value>32</value>
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         <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>235851102</cusip>
         <value>3555</value>
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         <nameOfIssuer>DARLING INGREDIENTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>237266101</cusip>
         <value>25</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>252131107</cusip>
         <value>125</value>
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         <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>253868103</cusip>
         <value>895</value>
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         <nameOfIssuer>CANADIAN IMP BK COMM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>136069101</cusip>
         <value>75</value>
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         <nameOfIssuer>CARGURUS INC</nameOfIssuer>
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         <cusip>141788109</cusip>
         <value>4</value>
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         <nameOfIssuer>CARLISLE COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>142339100</cusip>
         <value>440</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CASELLA WASTE SYS INC</nameOfIssuer>
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         <cusip>147448104</cusip>
         <value>3</value>
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         <nameOfIssuer>CHESAPEAKE ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>165167735</cusip>
         <value>1</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>166764100</cusip>
         <value>4077</value>
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         <cusip>16679L109</cusip>
         <value>7</value>
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         <cusip>171340102</cusip>
         <value>2210</value>
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         <cusip>171779309</cusip>
         <value>23</value>
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         <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>172967424</cusip>
         <value>44</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>115236101</cusip>
         <value>43</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CBOE GLOBAL MKTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12503M108</cusip>
         <value>2</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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         <nameOfIssuer>CBRE GROUP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>12504L109</cusip>
         <value>53</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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     <infoTable>
         <nameOfIssuer>CSX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>126408103</cusip>
         <value>40</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1058</Sole>
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             <None>0</None>
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         <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>126650100</cusip>
         <value>483</value>
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         <cusip>25746U109</cusip>
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         <cusip>258622109</cusip>
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         <cusip>26441C204</cusip>
         <value>153</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>177376100</cusip>
         <value>49</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>BOOT BARN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>099406100</cusip>
         <value>4</value>
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         <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>109194100</cusip>
         <value>107</value>
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         <cusip>110448107</cusip>
         <value>181</value>
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         <nameOfIssuer>BROOKFIELD RENEWABLE CORP</nameOfIssuer>
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         <cusip>11284V105</cusip>
         <value>18</value>
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         <value>42</value>
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         <cusip>13321L108</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>520</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>349</value>
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         <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14040H105</cusip>
         <value>90</value>
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         <nameOfIssuer>COGNEX CORP</nameOfIssuer>
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         <cusip>192422103</cusip>
         <value>39</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>COINBASE GLOBAL INC</nameOfIssuer>
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         <cusip>19260Q107</cusip>
         <value>164</value>
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         <cusip>194162103</cusip>
         <value>361</value>
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         <cusip>20451Q104</cusip>
         <value>517</value>
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         <cusip>21037T109</cusip>
         <value>51</value>
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         <cusip>156727109</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>15872M104</cusip>
         <value>6</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>16359R103</cusip>
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         <value>281</value>
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         <nameOfIssuer>CHESAPEAKE UTILS CORP</nameOfIssuer>
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         <cusip>165303108</cusip>
         <value>26</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>116794108</cusip>
         <value>7</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>12514G108</cusip>
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         <cusip>12541W209</cusip>
         <value>12</value>
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         <cusip>205887102</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>29250N105</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>29261A100</cusip>
         <value>60</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>29355A107</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>29364G103</cusip>
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         <cusip>235851300</cusip>
         <value>263</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>237194105</cusip>
         <value>19</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CLEARWATER ANALYTICS HLDGS I</nameOfIssuer>
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         <cusip>185123106</cusip>
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         <nameOfIssuer>COCA-COLA FEMSA SAB DE CV</nameOfIssuer>
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         <nameOfIssuer>CROWN CASTLE INTL CORP NEW</nameOfIssuer>
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         <cusip>33734H106</cusip>
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         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ CYB ETF</titleOfClass>
         <cusip>33734X846</cusip>
         <value>49</value>
         <shrsOrPrnAmt>
             <sshPrnamt>928</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>17275R102</cusip>
         <value>8077</value>
         <shrsOrPrnAmt>
             <sshPrnamt>144850</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>11583</None>
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         <nameOfIssuer>CITIZENS FINL GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>174610105</cusip>
         <value>77</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1696</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1696</Sole>
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             <None>0</None>
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         <nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>189054109</cusip>
         <value>2071</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14887</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>14835</Sole>
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             <None>52</None>
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         <nameOfIssuer>DIGITALBRIDGE GROUP INC</nameOfIssuer>
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         <cusip>19624RAA4</cusip>
         <value>15</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15187</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EUROPE ALPHADEX</titleOfClass>
         <cusip>33737J117</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>333</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <nameOfIssuer>FIRST TR ENERGY INFRASTRCTR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738C103</cusip>
         <value>48</value>
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             <sshPrnamt>3161</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASD TECH DIV</titleOfClass>
         <cusip>33738R118</cusip>
         <value>88</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1486</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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         <nameOfIssuer>FIRST TR HIGH YIELD OPPRT 20</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33741Q107</cusip>
         <value>17</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>1000</Sole>
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             <None>0</None>
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         <nameOfIssuer>CAESARS ENTERTAINMENT INC NE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12769G100</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>208</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>208</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CAREDX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14167L103</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>50</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CARMAX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>143130102</cusip>
         <value>83</value>
         <shrsOrPrnAmt>
             <sshPrnamt>865</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>865</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>FASTENAL CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>311900104</cusip>
         <value>92</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1546</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1546</Sole>
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             <None>0</None>
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         <nameOfIssuer>CINTAS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>172908105</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>26</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>192446102</cusip>
         <value>648</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7224</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7177</Sole>
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             <None>47</None>
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         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>READY ACC VARI</titleOfClass>
         <cusip>33939L886</cusip>
         <value>1239</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16550</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>16550</Sole>
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     <infoTable>
         <nameOfIssuer>FOCUS FINL PARTNERS INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>34417P100</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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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>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>220</sshPrnamt>
             <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>
         <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>20030N101</cusip>
         <value>1026</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>176</None>
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     <infoTable>
         <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>21036P108</cusip>
         <value>550</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2387</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1922</Sole>
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             <None>465</None>
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     <infoTable>
         <nameOfIssuer>COMMERCIAL METALS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>201723103</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>234</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>234</Sole>
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             <None>0</None>
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         <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
         <titleOfClass>FINTECH ETF</titleOfClass>
         <cusip>37954Y814</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>325</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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         <nameOfIssuer>GODADDY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>380237107</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <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>
         <value>41</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>83</None>
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     <infoTable>
         <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
         <titleOfClass>ACTIVEBETA US LG</titleOfClass>
         <cusip>381430503</cusip>
         <value>29</value>
         <shrsOrPrnAmt>
             <sshPrnamt>327</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>27</None>
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         <nameOfIssuer>DBX ETF TR</nameOfIssuer>
         <titleOfClass>XTRACK USD HIGH</titleOfClass>
         <cusip>233051432</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>341</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DEFINITIVE HEALTHCARE CORP</nameOfIssuer>
         <titleOfClass>CLASS A COM</titleOfClass>
         <cusip>24477E103</cusip>
         <value>2</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>316773100</cusip>
         <value>8</value>
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             <sshPrnamt>176</sshPrnamt>
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         <titleOfClass>DJ GLBL DIVID</titleOfClass>
         <cusip>33734X200</cusip>
         <value>280</value>
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         <nameOfIssuer>FIRST TR MID CAP CORE ALPHAD</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735B108</cusip>
         <value>21</value>
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         <titleOfClass>GBL WND ENRG ETF</titleOfClass>
         <cusip>33736G106</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>665</sshPrnamt>
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         <titleOfClass>SENIOR LN FD</titleOfClass>
         <cusip>33738D309</cusip>
         <value>55</value>
         <shrsOrPrnAmt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>219350105</cusip>
         <value>724</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>2064</None>
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         <nameOfIssuer>CORTEVA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>22052L104</cusip>
         <value>52</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CORVEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>221006109</cusip>
         <value>100</value>
         <shrsOrPrnAmt>
             <sshPrnamt>593</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>22160K105</cusip>
         <value>2941</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5107</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>CROWDSTRIKE HLDGS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>22788C105</cusip>
         <value>57</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>CROWN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>228368106</cusip>
         <value>17</value>
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             <sshPrnamt>132</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <cusip>254709108</cusip>
         <value>25</value>
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         <cusip>243537107</cusip>
         <value>26</value>
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         <cusip>363576109</cusip>
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         <cusip>418056107</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>437076102</cusip>
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         <cusip>29476L107</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>410867105</cusip>
         <value>28</value>
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         <cusip>416515104</cusip>
         <value>36</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>42250P103</cusip>
         <value>14</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>42824C109</cusip>
         <value>240</value>
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         <titleOfClass>AMERN SHS</titleOfClass>
         <cusip>438128308</cusip>
         <value>23</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>45168D104</cusip>
         <value>69</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>45253H101</cusip>
         <value>3</value>
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         <cusip>29446M102</cusip>
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         <cusip>46138E164</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>427866108</cusip>
         <value>622</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2826</Sole>
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             <None>45</None>
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         <nameOfIssuer>HEXCEL CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>428291108</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
             <sshPrnamt>227</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>136</Sole>
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             <None>91</None>
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     <infoTable>
         <nameOfIssuer>INVITATION HOMES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46187W107</cusip>
         <value>34</value>
         <shrsOrPrnAmt>
             <sshPrnamt>853</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>695</Sole>
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             <None>158</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>IONIS PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>462222100</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>440</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>440</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES INC</nameOfIssuer>
         <titleOfClass>MSCI BRAZIL ETF</titleOfClass>
         <cusip>464286400</cusip>
         <value>54</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1418</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1418</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES INC</nameOfIssuer>
         <titleOfClass>MSCI CDA ETF</titleOfClass>
         <cusip>464286509</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>200</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30231G102</cusip>
         <value>1633</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19767</sshPrnamt>
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             <Sole>18087</Sole>
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             <None>1680</None>
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         <nameOfIssuer>FACTSET RESH SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>303075105</cusip>
         <value>1254</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2883</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2883</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>303250104</cusip>
         <value>85</value>
         <shrsOrPrnAmt>
             <sshPrnamt>183</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>183</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FEDEX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31428X106</cusip>
         <value>582</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2516</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2359</Sole>
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             <None>157</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INTUIT</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>461202103</cusip>
         <value>539</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1121</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1016</Sole>
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             <None>105</None>
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         <nameOfIssuer>ISHARES INC</nameOfIssuer>
         <titleOfClass>MSCI FRANCE ETF</titleOfClass>
         <cusip>464286707</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>183</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>183</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
         <cusip>464287150</cusip>
         <value>802</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7941</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>7723</Sole>
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             <None>218</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
         <cusip>464287200</cusip>
         <value>478</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1053</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <Sole>1032</Sole>
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             <None>21</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
         <cusip>464287309</cusip>
         <value>2020</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26449</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>25815</Sole>
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             <None>634</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>20 YR TR BD ETF</titleOfClass>
         <cusip>464287432</cusip>
         <value>46</value>
         <shrsOrPrnAmt>
             <sshPrnamt>345</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>345</Sole>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>EXPANDED TECH</titleOfClass>
         <cusip>464287515</cusip>
         <value>132</value>
         <shrsOrPrnAmt>
             <sshPrnamt>382</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>382</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST HAWAIIAN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32051X108</cusip>
         <value>223</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8002</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>8002</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR MORNINGSTAR DIVID L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>336917109</cusip>
         <value>61</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1623</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>1623</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NY ARCA BIOTECH</titleOfClass>
         <cusip>33733E203</cusip>
         <value>101</value>
         <shrsOrPrnAmt>
             <sshPrnamt>675</sshPrnamt>
             <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>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBOXX HI YD ETF</titleOfClass>
         <cusip>464288513</cusip>
         <value>436</value>
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             <sshPrnamt>5292</sshPrnamt>
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             <None>206</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MBS ETF</titleOfClass>
         <cusip>464288588</cusip>
         <value>922</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>INTRM GOV CR ETF</titleOfClass>
         <cusip>464288612</cusip>
         <value>409</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3768</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>DEV MRK EX US</titleOfClass>
         <cusip>33737J174</cusip>
         <value>102</value>
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             <sshPrnamt>1772</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1772</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EMERG MKT ALPH</titleOfClass>
         <cusip>33737J182</cusip>
         <value>33</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NO AMER ENERGY</titleOfClass>
         <cusip>33738D101</cusip>
         <value>54</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1938</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1938</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR ENH NEW</titleOfClass>
         <cusip>33739Q408</cusip>
         <value>237</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3982</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>3982</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>EQUITYCOMPASS</titleOfClass>
         <cusip>33740F607</cusip>
         <value>34</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1330</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>473</Sole>
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             <None>857</None>
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     <infoTable>
         <nameOfIssuer>FIVE BELOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33829M101</cusip>
         <value>50</value>
         <shrsOrPrnAmt>
             <sshPrnamt>317</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>317</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FORMFACTOR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>346375108</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>82</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FOX CORP</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>35137L105</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>111</Sole>
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             <None>119</None>
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     <infoTable>
         <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
         <titleOfClass>FTSE UNTD KGDM</titleOfClass>
         <cusip>35473P678</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>281</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>281</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>1476</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29667</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>29282</Sole>
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             <None>385</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GCP APPLIED TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>36164Y101</cusip>
         <value>28</value>
         <shrsOrPrnAmt>
             <sshPrnamt>884</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>884</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>SOLAR ETF</titleOfClass>
         <cusip>46138G706</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>123</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>123</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>IQVIA HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46266C105</cusip>
         <value>177</value>
         <shrsOrPrnAmt>
             <sshPrnamt>765</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>670</Sole>
             <Shared>0</Shared>
             <None>95</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>36467J108</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>142</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>142</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GARTNER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>366651107</cusip>
         <value>64</value>
         <shrsOrPrnAmt>
             <sshPrnamt>214</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>214</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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         <cusip>31620M106</cusip>
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         <cusip>33739E108</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>53814L108</cusip>
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         <nameOfIssuer>MACOM TECH SOLUTIONS HLDGS I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <cusip>559663109</cusip>
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         <titleOfClass>TORTOISE NRAM PI</titleOfClass>
         <cusip>56167N720</cusip>
         <value>13</value>
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         <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>459200101</cusip>
         <value>1189</value>
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             <None>688</None>
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         <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74144T108</cusip>
         <value>942</value>
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             <sshPrnamt>6232</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PROSHARES TR</nameOfIssuer>
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         <cusip>74347B680</cusip>
         <value>78</value>
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         <value>25</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>571748102</cusip>
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         <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>57636Q104</cusip>
         <value>1951</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>576690101</cusip>
         <value>3</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>577933104</cusip>
         <value>16</value>
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         <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>58155Q103</cusip>
         <value>9</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>58463J304</cusip>
         <value>435</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>345370860</cusip>
         <value>233</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>358039105</cusip>
         <value>11</value>
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         <nameOfIssuer>QUALTRICS INTL INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>747601201</cusip>
         <value>6</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>749607107</cusip>
         <value>111</value>
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         <titleOfClass>7% CN SR NT 2023</titleOfClass>
         <cusip>75574U200</cusip>
         <value>34</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>756109104</cusip>
         <value>456</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>59156R108</cusip>
         <value>230</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>CL A NEW</titleOfClass>
         <cusip>594972408</cusip>
         <value>124</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>MID-AMER APT CMNTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>59522J103</cusip>
         <value>10</value>
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         <cusip>50155Q100</cusip>
         <value>3</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75886F107</cusip>
         <value>347</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <titleOfClass>CORE TOTAL USD</titleOfClass>
         <cusip>46434V613</cusip>
         <value>25</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBDS DEC28 ETF</titleOfClass>
         <cusip>46435U515</cusip>
         <value>7</value>
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         <nameOfIssuer>MODERNA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>60770K107</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>64</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>MOLINA HEALTHCARE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>60855R100</cusip>
         <value>6</value>
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             <sshPrnamt>19</sshPrnamt>
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         <nameOfIssuer>NCR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>62886E108</cusip>
         <value>9</value>
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             <sshPrnamt>232</sshPrnamt>
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         <nameOfIssuer>NVR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>62944T105</cusip>
         <value>40</value>
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         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
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         <value>499</value>
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         <nameOfIssuer>SIXTH STREET SPECIALTY LENDI</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83012A109</cusip>
         <value>6</value>
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             <sshPrnamt>277</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>SMITH A O CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>831865209</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>278</value>
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             <sshPrnamt>1353</sshPrnamt>
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         <otherManager>3</otherManager>
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             <None>0</None>
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         <nameOfIssuer>SONY GROUP CORPORATION</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>835699307</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>110</sshPrnamt>
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         <nameOfIssuer>STAAR SURGICAL CO</nameOfIssuer>
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         <cusip>852312305</cusip>
         <value>3</value>
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             <sshPrnamt>36</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>SUN LIFE FINANCIAL INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>29</value>
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             <sshPrnamt>524</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>87157D109</cusip>
         <value>36</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>871607107</cusip>
         <value>267</value>
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         <nameOfIssuer>TFI INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87241L109</cusip>
         <value>2</value>
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             <sshPrnamt>16</sshPrnamt>
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         <nameOfIssuer>TOYOTA MOTOR CORP</nameOfIssuer>
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         <cusip>892331307</cusip>
         <value>187</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>89832Q109</cusip>
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             <None>207</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>902681105</cusip>
         <value>29</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>90353W103</cusip>
         <value>2</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>SHRT NAT MUN ETF</titleOfClass>
         <cusip>464288158</cusip>
         <value>36</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>3 7 YR TREAS BD</titleOfClass>
         <cusip>464288661</cusip>
         <value>4049</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>371901109</cusip>
         <value>8</value>
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         <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
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         <cusip>372460105</cusip>
         <value>1175</value>
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         <nameOfIssuer>NATIONAL VISION HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>63845R107</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>640491106</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>651639106</cusip>
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         <nameOfIssuer>UMPQUA HLDGS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>904214103</cusip>
         <value>16</value>
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         <titleOfClass>SPON ADR NEW</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>911363109</cusip>
         <value>11</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>46436E460</cusip>
         <value>7</value>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBOND DEC 2030</titleOfClass>
         <cusip>46436E593</cusip>
         <value>35</value>
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             <sshPrnamt>1596</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>46436E825</cusip>
         <value>7</value>
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         <cusip>92189F791</cusip>
         <value>4</value>
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         <cusip>921908844</cusip>
         <value>2242</value>
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         <cusip>921932828</cusip>
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         <cusip>921937827</cusip>
         <value>805</value>
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         <cusip>72201R775</cusip>
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         <cusip>G46188101</cusip>
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         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
         <titleOfClass>SHS - A -</titleOfClass>
         <cusip>N53745100</cusip>
         <value>65</value>
         <shrsOrPrnAmt>
             <sshPrnamt>636</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>636</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORDSON CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>655663102</cusip>
         <value>148</value>
         <shrsOrPrnAmt>
             <sshPrnamt>652</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>652</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORTHERN TR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>665859104</cusip>
         <value>28</value>
         <shrsOrPrnAmt>
             <sshPrnamt>239</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>239</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOVAGOLD RES INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>66987E206</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1262</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1262</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOVANTA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67000B104</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
         <cusip>78464A664</cusip>
         <value>205</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5415</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5207</Sole>
             <Shared>0</Shared>
             <None>208</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P REGL BKG</titleOfClass>
         <cusip>78464A698</cusip>
         <value>37</value>
         <shrsOrPrnAmt>
             <sshPrnamt>532</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>532</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP GRW</titleOfClass>
         <cusip>78464A821</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>325</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>325</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P HOMEBUILD</titleOfClass>
         <cusip>78464A888</cusip>
         <value>2</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>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
         <cusip>78468R606</cusip>
         <value>23</value>
         <shrsOrPrnAmt>
             <sshPrnamt>916</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>916</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066V101</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>181</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>181</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
         <cusip>67092P607</cusip>
         <value>121</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3030</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3030</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JD.COM INC</nameOfIssuer>
         <titleOfClass>SPON ADR CL A</titleOfClass>
         <cusip>47215P106</cusip>
         <value>30</value>
         <shrsOrPrnAmt>
             <sshPrnamt>514</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>514</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103H107</cusip>
         <value>598</value>
         <shrsOrPrnAmt>
             <sshPrnamt>873</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>848</Sole>
             <Shared>0</Shared>
             <None>25</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OMEGA HEALTHCARE INVS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>681936100</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>155</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>155</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682680103</cusip>
         <value>43</value>
         <shrsOrPrnAmt>
             <sshPrnamt>606</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>606</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ORION OFFICE REIT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68629Y103</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>20</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SABRA HEALTH CARE REIT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78573L106</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>335</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>335</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAILPOINT TECHNOLOGIES HLDGS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78781P105</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>43</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OSISKO GOLD ROYALTIES LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68827L101</cusip>
         <value>13</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>PACKAGING CORP AMER</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>695156109</cusip>
         <value>34</value>
         <shrsOrPrnAmt>
             <sshPrnamt>216</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>172</Sole>
             <Shared>0</Shared>
             <None>44</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81181C104</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>391</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4440</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4409</Sole>
             <Shared>0</Shared>
             <None>31</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>99</value>
         <shrsOrPrnAmt>
             <sshPrnamt>534</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>517</Sole>
             <Shared>0</Shared>
             <None>17</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>77</value>
         <shrsOrPrnAmt>
             <sshPrnamt>749</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>736</Sole>
             <Shared>0</Shared>
             <None>13</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>KELLOGG CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>487836108</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>50</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>49338L103</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>44</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>500754106</cusip>
         <value>515</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13078</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5853</Sole>
             <Shared>0</Shared>
             <None>7225</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>697435105</cusip>
         <value>784</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1259</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1134</Sole>
             <Shared>0</Shared>
             <None>125</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PAPA JOHNS INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>698813102</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9</Sole>
             <Shared>0</Shared>
             <None>35</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PAR TECHNOLOGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>698884103</cusip>
         <value>122</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3016</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3016</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PAYCOM SOFTWARE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70432V102</cusip>
         <value>64</value>
         <shrsOrPrnAmt>
             <sshPrnamt>186</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>186</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PFIZER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>717081103</cusip>
         <value>3118</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60218</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>54972</Sole>
             <Shared>0</Shared>
             <None>5246</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>718546104</cusip>
         <value>388</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4494</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4394</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PINTEREST INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>72352L106</cusip>
         <value>1</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>PORTLAND GEN ELEC CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>736508847</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>54</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74340W103</cusip>
         <value>247</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1532</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1532</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PROSHARES TR</nameOfIssuer>
         <titleOfClass>RUSS 2000 DIVD</titleOfClass>
         <cusip>74347B698</cusip>
         <value>35</value>
         <shrsOrPrnAmt>
             <sshPrnamt>547</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>547</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
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         <nameOfIssuer>RITCHIE BROS AUCTIONEERS</nameOfIssuer>
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         <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
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         <nameOfIssuer>SPS COMM INC</nameOfIssuer>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
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         <value>426</value>
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         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
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         <nameOfIssuer>SERVISFIRST BANCSHARES INC</nameOfIssuer>
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         <nameOfIssuer>SLEEP NUMBER CORP</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
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         <cusip>81369Y803</cusip>
         <value>397</value>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>14</value>
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     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>SONOCO PRODS CO</nameOfIssuer>
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         <nameOfIssuer>SOUTH JERSEY INDS INC</nameOfIssuer>
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         <value>9</value>
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         <nameOfIssuer>SPIRIT AEROSYSTEMS HLDGS INC</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <value>18</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>83088M102</cusip>
         <value>96</value>
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         <value>23</value>
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         <nameOfIssuer>SPROUTS FMRS MKT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>85208M102</cusip>
         <value>20</value>
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         <cusip>521865204</cusip>
         <value>2</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>526107107</cusip>
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         <cusip>52736R102</cusip>
         <value>12</value>
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         <nameOfIssuer>SUMITOMO MITSUI FINL GROUP I</nameOfIssuer>
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         <cusip>86562M209</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
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         <cusip>87105L104</cusip>
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         <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
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         <cusip>874039100</cusip>
         <value>517</value>
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     <infoTable>
         <nameOfIssuer>SYNCHRONY FINANCIAL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87165B103</cusip>
         <value>35</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>871829107</cusip>
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         <cusip>929042109</cusip>
         <value>4</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>67181A107</cusip>
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         <cusip>969457100</cusip>
         <value>154</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>977852102</cusip>
         <value>43</value>
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         <nameOfIssuer>WESTERN DIGITAL CORP.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>958102105</cusip>
         <value>49</value>
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         <nameOfIssuer>WHEATON PRECIOUS METALS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>962879102</cusip>
         <value>490</value>
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         <cusip>989207105</cusip>
         <value>246</value>
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         <cusip>98954M101</cusip>
         <value>7</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>98956P102</cusip>
         <value>71</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>98980G102</cusip>
         <value>115</value>
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         <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G02602103</cusip>
         <value>417</value>
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         <cusip>G0403H108</cusip>
         <value>41</value>
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         <cusip>G21810208</cusip>
         <value>189</value>
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         <cusip>70614W100</cusip>
         <value>57</value>
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         <titleOfClass>NOTE 5.500%11/0</titleOfClass>
         <cusip>70932AAD5</cusip>
         <value>25</value>
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         <nameOfIssuer>PEOPLES UNITED FINANCIAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>712704105</cusip>
         <value>3</value>
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         <otherManager>3</otherManager>
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         <nameOfIssuer>PRIMERICA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74164M108</cusip>
         <value>211</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1545</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>742718109</cusip>
         <value>3688</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>613</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G4705A100</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>INTERNATIONAL GAME TECHNOLOG</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G4863A108</cusip>
         <value>567</value>
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             <None>178</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>743315103</cusip>
         <value>70</value>
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         <nameOfIssuer>PROSPECT CAP CORP</nameOfIssuer>
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         <cusip>74348TAT9</cusip>
         <value>11</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>744320102</cusip>
         <value>661</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>744573106</cusip>
         <value>98</value>
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         <otherManager>3</otherManager>
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         <nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74762E102</cusip>
         <value>549</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>81</None>
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         <nameOfIssuer>ZOOM VIDEO COMMUNICATIONS IN</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>98980L101</cusip>
         <value>59</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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         <nameOfIssuer>AMCOR PLC</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G0250X107</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>1987</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>BROOKFIELD INFRAST PARTNERS</nameOfIssuer>
         <titleOfClass>LP INT UNIT</titleOfClass>
         <cusip>G16252101</cusip>
         <value>101</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>749685103</cusip>
         <value>31</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
         <value>2555</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>908</None>
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         <nameOfIssuer>RBC BEARINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75524B104</cusip>
         <value>236</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>760759100</cusip>
         <value>664</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5015</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G9456A100</cusip>
         <value>153</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>6168</Sole>
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             <None>0</None>
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         <nameOfIssuer>GLOBANT S A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>L44385109</cusip>
         <value>72</value>
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             <sshPrnamt>274</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>274</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>V7780T103</cusip>
         <value>2</value>
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             <sshPrnamt>28</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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         <nameOfIssuer>FLEX LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>Y2573F102</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CLARIVATE PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G21810109</cusip>
         <value>758</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Shared>0</Shared>
             <None>1788</None>
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         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>51</value>
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         <cusip>776696106</cusip>
         <value>794</value>
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         <cusip>808524102</cusip>
         <value>49</value>
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         <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
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         <value>599</value>
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         <cusip>855244109</cusip>
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         <value>12</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>5</value>
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         <cusip>861012102</cusip>
         <value>2</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>26</value>
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         <cusip>86614U100</cusip>
         <value>13</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>866674104</cusip>
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         <value>873</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>872590104</cusip>
         <value>27</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>2</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>447011107</cusip>
         <value>375</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>879369106</cusip>
         <value>11</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>88160R101</cusip>
         <value>988</value>
         <shrsOrPrnAmt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>882508104</cusip>
         <value>1231</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>5</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>60937P106</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>609839105</cusip>
         <value>35</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM NEW</titleOfClass>
         <cusip>620076307</cusip>
         <value>24</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>626755102</cusip>
         <value>20</value>
         <shrsOrPrnAmt>
             <sshPrnamt>98</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>98</Sole>
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         <nameOfIssuer>NATIONAL FUEL GAS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>636180101</cusip>
         <value>48</value>
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             <None>400</None>
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         <cusip>902494103</cusip>
         <value>36</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>100</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>918204108</cusip>
         <value>1156</value>
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         <otherManager>3</otherManager>
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             <Sole>19609</Sole>
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             <None>718</None>
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         <cusip>92189F429</cusip>
         <value>164</value>
         <shrsOrPrnAmt>
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             <None>1000</None>
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         <cusip>92189H201</cusip>
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         <cusip>92203J407</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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         <cusip>92206C409</cusip>
         <value>775</value>
         <shrsOrPrnAmt>
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             <Sole>9929</Sole>
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             <None>0</None>
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         <cusip>922908611</cusip>
         <value>132</value>
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             <sshPrnamt>750</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <Sole>750</Sole>
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             <None>0</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>1294</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8753</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>183</value>
         <shrsOrPrnAmt>
             <sshPrnamt>805</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <nameOfIssuer>VIRGIN GALACTIC HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92766K106</cusip>
         <value>1</value>
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             <sshPrnamt>75</sshPrnamt>
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             <None>0</None>
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         <titleOfClass>CL A COM</titleOfClass>
         <cusip>928563402</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>74</sshPrnamt>
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             <None>58</None>
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         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>92857W308</cusip>
         <value>107</value>
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         <otherManager>3</otherManager>
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         <nameOfIssuer>VOYA FINANCIAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929089100</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>193</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <Sole>193</Sole>
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             <None>0</None>
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         <nameOfIssuer>WALMART INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931142103</cusip>
         <value>4614</value>
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             <sshPrnamt>30973</sshPrnamt>
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         <otherManager>3</otherManager>
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             <None>2508</None>
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         <nameOfIssuer>WATSCO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>942622200</cusip>
         <value>588</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1929</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1929</Sole>
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             <None>0</None>
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         <nameOfIssuer>WENDYS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>95058W100</cusip>
         <value>211</value>
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             <sshPrnamt>9612</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>9612</Sole>
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             <None>0</None>
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         <nameOfIssuer>YETI HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98585X104</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>221</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>221</Sole>
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             <None>0</None>
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         <nameOfIssuer>ZIMVIE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98888T107</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>40</Sole>
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             <None>0</None>
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         <nameOfIssuer>INSPIRE MED SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>457730109</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>16</Sole>
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             <None>0</None>
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         <nameOfIssuer>ZILLOW GROUP INC</nameOfIssuer>
         <titleOfClass>CL C CAP STK</titleOfClass>
         <cusip>98954M200</cusip>
         <value>191</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3867</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3781</Sole>
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             <None>86</None>
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         <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G0450A105</cusip>
         <value>711</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14684</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>14307</Sole>
             <Shared>0</Shared>
             <None>377</None>
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         <nameOfIssuer>INTERPUBLIC GROUP COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>460690100</cusip>
         <value>66</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1852</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1852</Sole>
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             <None>0</None>
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         <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
         <titleOfClass>UNIT</titleOfClass>
         <cusip>46138B103</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>510</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>510</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
         <titleOfClass>BULSHS 2024 HY</titleOfClass>
         <cusip>46138J833</cusip>
         <value>52</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2176</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>167</Sole>
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             <None>2009</None>
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         <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>88</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1344</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1251</Sole>
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             <None>93</None>
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         <nameOfIssuer>ROYALTY PHARMA PLC</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G7709Q104</cusip>
         <value>103</value>
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             <sshPrnamt>2636</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>767</Sole>
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             <None>1869</None>
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         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>478</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2231</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <None>25</None>
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         <nameOfIssuer>AERCAP HOLDINGS NV</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N00985106</cusip>
         <value>23</value>
         <shrsOrPrnAmt>
             <sshPrnamt>449</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
         <titleOfClass>BULSHS 2023 HY</titleOfClass>
         <cusip>46138J858</cusip>
         <value>248</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10112</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>8128</Sole>
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             <None>1984</None>
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     <infoTable>
         <nameOfIssuer>IRON MTN INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46284V101</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>431</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>227</Sole>
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             <None>204</None>
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     <infoTable>
         <nameOfIssuer>ISHARES INC</nameOfIssuer>
         <titleOfClass>MSCI GERMANY ETF</titleOfClass>
         <cusip>464286806</cusip>
         <value>100</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3507</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>3507</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>TIPS BD ETF</titleOfClass>
         <cusip>464287176</cusip>
         <value>161</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1294</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1294</Sole>
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             <None>0</None>
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         <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>66987V109</cusip>
         <value>473</value>
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             <sshPrnamt>5396</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5109</Sole>
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             <None>287</None>
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     <infoTable>
         <nameOfIssuer>NUCOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670346105</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>80</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUSTAR ENERGY LP</nameOfIssuer>
         <titleOfClass>UNIT COM</titleOfClass>
         <cusip>67058H102</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>334</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>334</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
         <value>2327</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8527</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>8447</Sole>
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             <None>80</None>
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     <infoTable>
         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>679580100</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>48</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ONEMAIN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68268W103</cusip>
         <value>35</value>
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         <value>3425</value>
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         <cusip>464287655</cusip>
         <value>111</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>68389X105</cusip>
         <value>668</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>718172109</cusip>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <value>133</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>PROGYNY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <cusip>46436E726</cusip>
         <value>43</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <value>7</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>46436E874</cusip>
         <value>27</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS 23 TRM TS</titleOfClass>
         <cusip>46436E882</cusip>
         <value>7</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>46625H100</cusip>
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         <value>105</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>48203R104</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>773903109</cusip>
         <value>8</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>50187A107</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>502431109</cusip>
         <value>1849</value>
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         <cusip>512816109</cusip>
         <value>9</value>
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         <titleOfClass>COM SER C FRMLA</titleOfClass>
         <cusip>531229854</cusip>
         <value>32</value>
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         <cusip>531229870</cusip>
         <value>4</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>540424108</cusip>
         <value>63</value>
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         <nameOfIssuer>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>1177</value>
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             <sshPrnamt>15663</sshPrnamt>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <value>21</value>
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         <cusip>808524862</cusip>
         <value>331</value>
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         <value>285</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>608190104</cusip>
         <value>8</value>
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         <nameOfIssuer>NUVEEN PFD &amp; INCM SECURTIES</nameOfIssuer>
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         <cusip>67072C105</cusip>
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         <value>2</value>
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         <cusip>670837103</cusip>
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         <nameOfIssuer>SIGNATURE BK NEW YORK N Y</nameOfIssuer>
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         <cusip>82669G104</cusip>
         <value>491</value>
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         <cusip>828806109</cusip>
         <value>51</value>
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         <value>481</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>682189105</cusip>
         <value>11</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>152</value>
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         <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>745</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>83417M104</cusip>
         <value>9</value>
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         <cusip>84265V105</cusip>
         <value>15</value>
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         <cusip>844741108</cusip>
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         <cusip>867224107</cusip>
         <value>553</value>
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         <cusip>872540109</cusip>
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         <value>2</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>87971M103</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>385</Sole>
             <Shared>0</Shared>
             <None>99</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PERFORMANCE FOOD GROUP CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>71377A103</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>90</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21</Sole>
             <Shared>0</Shared>
             <None>69</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
         <titleOfClass>INTER MUN BD ACT</titleOfClass>
         <cusip>72201R866</cusip>
         <value>23</value>
         <shrsOrPrnAmt>
             <sshPrnamt>433</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>433</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>POST HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>737446104</cusip>
         <value>1441</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20806</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>17566</Sole>
             <Shared>0</Shared>
             <None>3240</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>POWER INTEGRATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>739276103</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>64</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>64</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>745867101</cusip>
         <value>160</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3814</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3814</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74834L100</cusip>
         <value>69</value>
         <shrsOrPrnAmt>
             <sshPrnamt>505</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>505</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>RAPID7 INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>753422104</cusip>
         <value>17</value>
         <shrsOrPrnAmt>
             <sshPrnamt>155</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>155</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TEXTRON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>883203101</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>62</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>62</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>883556102</cusip>
         <value>3878</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6566</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6329</Sole>
             <Shared>0</Shared>
             <None>237</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TORTOISE ENERGY INFRA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89147L886</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>297</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>297</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TRANSDIGM GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>893641100</cusip>
         <value>98</value>
         <shrsOrPrnAmt>
             <sshPrnamt>151</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>151</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TWITTER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90184L102</cusip>
         <value>46</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1186</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1186</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>907818108</cusip>
         <value>1805</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6606</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6376</Sole>
             <Shared>0</Shared>
             <None>230</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>UPSTART HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91680M107</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>93</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>93</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>759351604</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8</Sole>
             <Shared>0</Shared>
             <None>27</None>
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     <infoTable>
         <nameOfIssuer>REVOLVE GROUP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>76156B107</cusip>
         <value>336</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6262</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>5907</Sole>
             <Shared>0</Shared>
             <None>355</None>
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     <infoTable>
         <nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>767204100</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VALE S A</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>91912E105</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>144</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>144</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>GOLD MINERS ETF</titleOfClass>
         <cusip>92189F106</cusip>
         <value>163</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4243</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1342</Sole>
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             <None>2901</None>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>LONG MUNI ETF</titleOfClass>
         <cusip>92189F536</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>472</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>472</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>MRNGSTR WDE MOAT</titleOfClass>
         <cusip>92189F643</cusip>
         <value>1664</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22272</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>22272</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
         <titleOfClass>VG TL INTL STK F</titleOfClass>
         <cusip>921909768</cusip>
         <value>128</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2147</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2147</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
         <cusip>78464A409</cusip>
         <value>42</value>
         <shrsOrPrnAmt>
             <sshPrnamt>639</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>639</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA GRWTH IND</titleOfClass>
         <cusip>921910816</cusip>
         <value>929</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3946</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>921</Sole>
             <Shared>0</Shared>
             <None>3025</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>LONG TERM BOND</titleOfClass>
         <cusip>921937793</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>17</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>INTERMED TERM</titleOfClass>
         <cusip>921937819</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>18</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL HIGH ETF</titleOfClass>
         <cusip>921946794</cusip>
         <value>48</value>
         <shrsOrPrnAmt>
             <sshPrnamt>712</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>712</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
         <value>98</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1140</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1140</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VENTAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92276F100</cusip>
         <value>51</value>
         <shrsOrPrnAmt>
             <sshPrnamt>830</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>830</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>349</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1565</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1513</Sole>
             <Shared>0</Shared>
             <None>52</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>39</value>
         <shrsOrPrnAmt>
             <sshPrnamt>155</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>155</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>177</value>
         <shrsOrPrnAmt>
             <sshPrnamt>746</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>722</Sole>
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             <None>24</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>PARAMOUNT GLOBAL</nameOfIssuer>
         <titleOfClass>5.75% CONV PFD A</titleOfClass>
         <cusip>92556H305</cusip>
         <value>196</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3530</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3155</Sole>
             <Shared>0</Shared>
             <None>375</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIMEO INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>92719V100</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>249</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>249</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92939U106</cusip>
         <value>368</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3686</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3686</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
         <cusip>78464A508</cusip>
         <value>67</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1616</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1616</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>BLACKSTONE SENR</titleOfClass>
         <cusip>78467V608</cusip>
         <value>71</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1580</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1580</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
         <cusip>78467Y107</cusip>
         <value>92</value>
         <shrsOrPrnAmt>
             <sshPrnamt>186</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>186</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
         <value>1247</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13637</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3703</Sole>
             <Shared>0</Shared>
             <None>9934</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM STK</titleOfClass>
         <cusip>806857108</cusip>
         <value>6</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>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
         <cusip>808524706</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>575</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>575</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>69</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1888</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1888</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81211K100</cusip>
         <value>41</value>
         <shrsOrPrnAmt>
             <sshPrnamt>616</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>616</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>73</value>
         <shrsOrPrnAmt>
             <sshPrnamt>532</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>508</Sole>
             <Shared>0</Shared>
             <None>24</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>20</value>
         <shrsOrPrnAmt>
             <sshPrnamt>262</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>249</Sole>
             <Shared>0</Shared>
             <None>13</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>323</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4227</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1724</Sole>
             <Shared>0</Shared>
             <None>2503</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>83304A106</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>41</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>842587107</cusip>
         <value>166</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2291</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2291</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPIRE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>84857L101</cusip>
         <value>39</value>
         <shrsOrPrnAmt>
             <sshPrnamt>550</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>400</Sole>
             <Shared>0</Shared>
             <None>150</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WASTE CONNECTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106B101</cusip>
         <value>69</value>
         <shrsOrPrnAmt>
             <sshPrnamt>494</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>494</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WATTS WATER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>942749102</cusip>
         <value>180</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1293</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1293</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WERNER ENTERPRISES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>950755108</cusip>
         <value>43</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1047</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1047</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>955306105</cusip>
         <value>84</value>
         <shrsOrPrnAmt>
             <sshPrnamt>204</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>204</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
         <value>2295</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8584</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8242</Sole>
             <Shared>0</Shared>
             <None>342</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TARGET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612E106</cusip>
         <value>2057</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9684</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9684</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TECK RESOURCES LTD</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>878742204</cusip>
         <value>33</value>
         <shrsOrPrnAmt>
             <sshPrnamt>811</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>811</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TELEDYNE TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>879360105</cusip>
         <value>230</value>
         <shrsOrPrnAmt>
             <sshPrnamt>486</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>486</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TERADYNE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>880770102</cusip>
         <value>146</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1232</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1232</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>XPEL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98379L100</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>31</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>892356106</cusip>
         <value>68</value>
         <shrsOrPrnAmt>
             <sshPrnamt>292</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>257</Sole>
             <Shared>0</Shared>
             <None>35</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRANSUNION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89400J107</cusip>
         <value>77</value>
         <shrsOrPrnAmt>
             <sshPrnamt>749</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>749</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRINITY CAP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>896442308</cusip>
         <value>216</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11211</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11003</Sole>
             <Shared>0</Shared>
             <None>208</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TWILIO INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>90138F102</cusip>
         <value>79</value>
         <shrsOrPrnAmt>
             <sshPrnamt>478</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>363</Sole>
             <Shared>0</Shared>
             <None>115</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ALLEGION PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G0176J109</cusip>
         <value>103</value>
         <shrsOrPrnAmt>
             <sshPrnamt>938</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>938</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ATLASSIAN CORP PLC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>G06242104</cusip>
         <value>38</value>
         <shrsOrPrnAmt>
             <sshPrnamt>131</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>131</Sole>
             <Shared>0</Shared>
             <None>0</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>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5494J103</cusip>
         <value>2611</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8164</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8142</Sole>
             <Shared>0</Shared>
             <None>22</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>3221</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29018</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>28436</Sole>
             <Shared>0</Shared>
             <None>582</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G7997R103</cusip>
         <value>52</value>
         <shrsOrPrnAmt>
             <sshPrnamt>575</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>575</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STERIS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G8473T100</cusip>
         <value>630</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2607</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2241</Sole>
             <Shared>0</Shared>
             <None>366</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>II-VI INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>902104108</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>60</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90353T100</cusip>
         <value>658</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18451</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18210</Sole>
             <Shared>0</Shared>
             <None>241</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UIPATH INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>90364P105</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>387</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>387</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90384S303</cusip>
         <value>134</value>
         <shrsOrPrnAmt>
             <sshPrnamt>336</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>236</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNDER ARMOUR INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>904311107</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>70</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>70</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>UNDER ARMOUR INC</nameOfIssuer>
         <titleOfClass>CL C</titleOfClass>
         <cusip>904311206</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1058</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1058</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITED AIRLS HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>910047109</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>911312106</cusip>
         <value>548</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2553</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2553</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ELASTIC N V</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>N14506104</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
             <sshPrnamt>157</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>157</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>25</value>
         <shrsOrPrnAmt>
             <sshPrnamt>134</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>134</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>HIGH YLD MUNIETF</titleOfClass>
         <cusip>92189H409</cusip>
         <value>288</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5010</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5010</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>22</value>
         <shrsOrPrnAmt>
             <sshPrnamt>271</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>271</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>246</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1156</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1156</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PARAMOUNT GLOBAL</nameOfIssuer>
         <titleOfClass>CLASS B COM</titleOfClass>
         <cusip>92556H206</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>280</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>280</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISTRA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92840M102</cusip>
         <value>83</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3569</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3569</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929160109</cusip>
         <value>73</value>
         <shrsOrPrnAmt>
             <sshPrnamt>394</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>394</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
         <titleOfClass>PERP PFD CNV A</titleOfClass>
         <cusip>949746804</cusip>
         <value>469</value>
         <shrsOrPrnAmt>
             <sshPrnamt>354</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>325</Sole>
             <Shared>0</Shared>
             <None>29</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WESTERN UN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>959802109</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>231</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>231</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
         <titleOfClass>US LARGECAP DIVD</titleOfClass>
         <cusip>97717W307</cusip>
         <value>54</value>
         <shrsOrPrnAmt>
             <sshPrnamt>821</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>821</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WORKDAY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>98138H101</cusip>
         <value>33</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>WORKIVA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>98139A105</cusip>
         <value>18</value>
         <shrsOrPrnAmt>
             <sshPrnamt>155</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>155</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WORLD WRESTLING ENTMT INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>98156Q108</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>160</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>160</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>YUM CHINA HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98850P109</cusip>
         <value>12</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>AXALTA COATING SYS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G0750C108</cusip>
         <value>20</value>
         <shrsOrPrnAmt>
             <sshPrnamt>818</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>818</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>BUNGE LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G16962105</cusip>
         <value>51</value>
         <shrsOrPrnAmt>
             <sshPrnamt>456</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>456</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>2264</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14918</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14865</Sole>
             <Shared>0</Shared>
             <None>53</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FABRINET</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3323L100</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer>
         <titleOfClass>ORDINARY SHARES</titleOfClass>
         <cusip>G39387108</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>16</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G50871105</cusip>
         <value>16</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>WHITE MTNS INS GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G9618E107</cusip>
         <value>74</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>65</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PERRIGO CO PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G97822103</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
             <sshPrnamt>363</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>363</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>57</value>
         <shrsOrPrnAmt>
             <sshPrnamt>721</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>622</Sole>
             <Shared>0</Shared>
             <None>99</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H42097107</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>77</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>77</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LOGITECH INTL S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H50430232</cusip>
         <value>44</value>
         <shrsOrPrnAmt>
             <sshPrnamt>600</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>600</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVERR INTL LTD</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>M4R82T106</cusip>
         <value>20</value>
         <shrsOrPrnAmt>
             <sshPrnamt>257</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>257</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CNH INDL N V</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N20944109</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>711</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>611</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
         <titleOfClass>ALERIAN MLP</titleOfClass>
         <cusip>00162Q452</cusip>
         <value>3991</value>
         <shrsOrPrnAmt>
             <sshPrnamt>104209</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>101598</Sole>
             <Shared>0</Shared>
             <None>2611</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>002824100</cusip>
         <value>36499</value>
         <shrsOrPrnAmt>
             <sshPrnamt>308369</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>229770</Sole>
             <Shared>0</Shared>
             <None>78599</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ABBVIE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00287Y109</cusip>
         <value>62203</value>
         <shrsOrPrnAmt>
             <sshPrnamt>383708</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>290133</Sole>
             <Shared>0</Shared>
             <None>93575</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ABRDN ETFS</nameOfIssuer>
         <titleOfClass>BBRG ALL COMD K1</titleOfClass>
         <cusip>003261104</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>547</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>547</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AEROJET ROCKETDYNE HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>007800105</cusip>
         <value>59</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AFLAC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>001055102</cusip>
         <value>10208</value>
         <shrsOrPrnAmt>
             <sshPrnamt>158530</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>99514</Sole>
             <Shared>0</Shared>
             <None>59016</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ARK ETF TR</nameOfIssuer>
         <titleOfClass>NEXT GNRTN INTER</titleOfClass>
         <cusip>00214Q401</cusip>
         <value>16</value>
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         <nameOfIssuer>BIOCRYST PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09058V103</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>09061G101</cusip>
         <value>1094</value>
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             <sshPrnamt>14190</sshPrnamt>
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         <nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09260D107</cusip>
         <value>26095</value>
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             <sshPrnamt>205571</sshPrnamt>
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         <nameOfIssuer>BOULDER GROWTH &amp; INCOME FD I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>439</value>
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             <None>0</None>
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         <nameOfIssuer>ASTRAZENECA PLC</nameOfIssuer>
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         <cusip>046353108</cusip>
         <value>2411</value>
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         <value>175</value>
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             <None>1110</None>
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         <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
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         <value>450</value>
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             <sshPrnamt>2585</sshPrnamt>
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             <None>25</None>
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         <nameOfIssuer>BCE INC</nameOfIssuer>
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         <cusip>05534B760</cusip>
         <value>3078</value>
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             <sshPrnamt>55504</sshPrnamt>
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             <None>10500</None>
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         <value>8998</value>
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             <sshPrnamt>167067</sshPrnamt>
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         <nameOfIssuer>CBOE GLOBAL MKTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12503M108</cusip>
         <value>15</value>
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             <sshPrnamt>134</sshPrnamt>
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         <value>271</value>
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             <sshPrnamt>5567</sshPrnamt>
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         <nameOfIssuer>CME GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12572Q105</cusip>
         <value>46879</value>
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         <nameOfIssuer>CMS ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>125896100</cusip>
         <value>49</value>
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             <sshPrnamt>700</sshPrnamt>
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         <value>141</value>
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         <nameOfIssuer>CABLE ONE INC</nameOfIssuer>
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         <nameOfIssuer>BEIGENE LTD</nameOfIssuer>
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         <cusip>07725L102</cusip>
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         <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>CANADIAN PAC RY LTD</nameOfIssuer>
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         <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR</nameOfIssuer>
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         <cusip>09248X100</cusip>
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         <cusip>16411Q101</cusip>
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         <nameOfIssuer>COASTAL FINL CORP WA</nameOfIssuer>
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         <cusip>19046P209</cusip>
         <value>3431</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>191216100</cusip>
         <value>21494</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>112780</None>
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         <nameOfIssuer>BLACKROCK MUNIYIELD N Y QUAL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09255E102</cusip>
         <value>22</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>BLOOM ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>093712107</cusip>
         <value>5</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>BLUEPRINT MEDICINES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09627Y109</cusip>
         <value>1178</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>20030N101</cusip>
         <value>12849</value>
         <shrsOrPrnAmt>
             <sshPrnamt>274432</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>125634</None>
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         <nameOfIssuer>COMERICA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>200340107</cusip>
         <value>1508</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16680</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>12568</Sole>
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             <None>4112</None>
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         <nameOfIssuer>CONAGRA BRANDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>205887102</cusip>
         <value>4610</value>
         <shrsOrPrnAmt>
             <sshPrnamt>137330</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>128462</Sole>
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             <None>8868</None>
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         <nameOfIssuer>COPART INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>217204106</cusip>
         <value>97</value>
         <shrsOrPrnAmt>
             <sshPrnamt>770</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>770</Sole>
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             <None>0</None>
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         <nameOfIssuer>CORNING INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>219350105</cusip>
         <value>10876</value>
         <shrsOrPrnAmt>
             <sshPrnamt>294659</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>294567</Sole>
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             <None>92</None>
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         <nameOfIssuer>BANK FIRST CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>06211J100</cusip>
         <value>3211</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44598</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>44598</None>
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         <nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>064058100</cusip>
         <value>6249</value>
         <shrsOrPrnAmt>
             <sshPrnamt>125907</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>70900</Sole>
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             <None>55007</None>
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         <nameOfIssuer>BARCLAYS BANK PLC</nameOfIssuer>
         <titleOfClass>DJUBS CMDT ETN36</titleOfClass>
         <cusip>06738C778</cusip>
         <value>2251</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60978</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>60478</Sole>
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             <None>500</None>
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         <nameOfIssuer>BEAM THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>07373V105</cusip>
         <value>126</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2200</Sole>
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             <None>0</None>
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         <nameOfIssuer>BILIBILI INC</nameOfIssuer>
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         <cusip>090040AB2</cusip>
         <value>18</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14000</sshPrnamt>
             <sshPrnamtType>PRN</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>14000</Sole>
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             <None>0</None>
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         <nameOfIssuer>BIO RAD LABS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>090572207</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>16</None>
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         <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09857L108</cusip>
         <value>15319</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6523</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6098</Sole>
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             <None>425</None>
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         <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>11133T103</cusip>
         <value>451</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2895</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>2675</Sole>
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             <None>220</None>
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         <nameOfIssuer>BROWN FORMAN CORP</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>115637209</cusip>
         <value>85</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1271</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1071</Sole>
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             <None>200</None>
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         <nameOfIssuer>BANK NOVA SCOTIA B C</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>064149107</cusip>
         <value>143</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>
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         <nameOfIssuer>BARCLAYS PLC</nameOfIssuer>
         <titleOfClass>ADR</titleOfClass>
         <cusip>06738E204</cusip>
         <value>190</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24069</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3511</Sole>
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             <None>20558</None>
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         <nameOfIssuer>BAUSCH HEALTH COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>071734107</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>BAXTER INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>071813109</cusip>
         <value>1749</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22562</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15629</Sole>
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             <None>6933</None>
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         <nameOfIssuer>BLACKROCK MUN TARGET TERM TR</nameOfIssuer>
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         <cusip>09257P105</cusip>
         <value>47</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>2000</Sole>
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             <None>0</None>
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         <nameOfIssuer>BLOOMIN BRANDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>094235108</cusip>
         <value>27</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1250</None>
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         <nameOfIssuer>BHP GROUP LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>088606108</cusip>
         <value>520</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6729</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>522</None>
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         <nameOfIssuer>BLACKLINE INC</nameOfIssuer>
         <titleOfClass>NOTE 0.125% 8/0</titleOfClass>
         <cusip>09239BAB5</cusip>
         <value>21</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18000</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>18000</Sole>
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             <None>0</None>
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         <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>110122108</cusip>
         <value>17769</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>41058</None>
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         <nameOfIssuer>BRITISH AMERN TOB PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>110448107</cusip>
         <value>373</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8850</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>300</None>
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         <nameOfIssuer>BLACKROCK MUN INCOME TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>09248F109</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>0</None>
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         <nameOfIssuer>BLOCK H &amp; R INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>093671105</cusip>
         <value>1218</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46770</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>35970</Sole>
             <Shared>0</Shared>
             <None>10800</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>097023105</cusip>
         <value>6667</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34816</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>17454</None>
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         <nameOfIssuer>BORGWARNER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>099724106</cusip>
         <value>429</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11024</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6871</Sole>
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             <None>4153</None>
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         <nameOfIssuer>BROOKFIELD REAL ASSETS INCOM</nameOfIssuer>
         <titleOfClass>SHS BEN INT</titleOfClass>
         <cusip>112830104</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>102</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>102</Sole>
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             <None>0</None>
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         <nameOfIssuer>BROOKFIELD RENEWABLE CORP</nameOfIssuer>
         <titleOfClass>CL A SUB VTG</titleOfClass>
         <cusip>11284V105</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>82</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>7</Sole>
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             <None>75</None>
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     <infoTable>
         <nameOfIssuer>BROWN &amp; BROWN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>115236101</cusip>
         <value>4625</value>
         <shrsOrPrnAmt>
             <sshPrnamt>64000</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>64000</Sole>
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             <None>0</None>
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         <nameOfIssuer>BRUNSWICK CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>117043109</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>0</Sole>
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             <None>15</None>
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         <nameOfIssuer>CADENCE DESIGN SYSTEM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>127387108</cusip>
         <value>572</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3478</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>5</None>
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         <nameOfIssuer>CALAMOS STRATEGIC TOTAL RETU</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>128125101</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
             <sshPrnamt>800</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>800</Sole>
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             <None>0</None>
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         <nameOfIssuer>CANADIAN IMP BK COMM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>136069101</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>32</Sole>
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             <None>0</None>
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         <nameOfIssuer>CRANE CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>224399105</cusip>
         <value>65</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>500</Sole>
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             <None>100</None>
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         <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14448C104</cusip>
         <value>4369</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95254</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>56615</Sole>
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             <None>38639</None>
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         <nameOfIssuer>CELANESE CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>150870103</cusip>
         <value>107</value>
         <shrsOrPrnAmt>
             <sshPrnamt>749</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>21873J108</cusip>
         <value>70</value>
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         <value>13</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>2</value>
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         <value>17</value>
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         <value>511</value>
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         <value>1850</value>
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         <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
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         <value>188</value>
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         <value>75</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>24823R105</cusip>
         <value>16</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>66</value>
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         <cusip>29446M102</cusip>
         <value>107</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>297178105</cusip>
         <value>2638</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>30040W108</cusip>
         <value>21254</value>
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         <nameOfIssuer>EXACT SCIENCES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30063P105</cusip>
         <value>1816</value>
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         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTL CORE EQT MK</titleOfClass>
         <cusip>25434V203</cusip>
         <value>4778</value>
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         <titleOfClass>COM NEW</titleOfClass>
         <cusip>26441C204</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>26614N102</cusip>
         <value>4784</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>13489</None>
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         <nameOfIssuer>CENTENE CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>15135B101</cusip>
         <value>43</value>
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         <cusip>33718W103</cusip>
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         <cusip>337345102</cusip>
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         <value>265</value>
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         <nameOfIssuer>CRONOS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>22717L101</cusip>
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         <nameOfIssuer>CROWDSTRIKE HLDGS INC</nameOfIssuer>
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         <cusip>22788C105</cusip>
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             <sshPrnamt>81507</sshPrnamt>
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         <nameOfIssuer>CROWN CASTLE INTL CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>711880</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>556168</Sole>
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             <None>155712</None>
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         <nameOfIssuer>CUE BIOPHARMA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>22978P106</cusip>
         <value>320</value>
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             <sshPrnamt>65656</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>65656</Sole>
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             <None>0</None>
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         <nameOfIssuer>DNP SELECT INCOME FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>23325P104</cusip>
         <value>95</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8037</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>8037</None>
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         <nameOfIssuer>DOUBLELINE INCOME SOLUTIONS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>258622109</cusip>
         <value>4</value>
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             <sshPrnamt>250</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>250</Sole>
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             <None>0</None>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>26701L100</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>210</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>210</None>
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         <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
         <titleOfClass>US GLB JETS</titleOfClass>
         <cusip>26922A842</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>50</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>EATON VANCE LTD DURATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27828H105</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>800</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>800</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ECOLAB INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>278865100</cusip>
         <value>5434</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30777</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>18362</Sole>
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             <None>12415</None>
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         <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>293792107</cusip>
         <value>48868</value>
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             <sshPrnamt>1893359</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1791613</Sole>
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             <None>101746</None>
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         <nameOfIssuer>EQUITY RESIDENTIAL</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>29476L107</cusip>
         <value>2140</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23797</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>23797</Sole>
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             <None>0</None>
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         <nameOfIssuer>EXPEDITORS INTL WASH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>302130109</cusip>
         <value>848</value>
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             <sshPrnamt>8218</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>8098</None>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FST LOW OPPT EFT</titleOfClass>
         <cusip>33739Q200</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>167</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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         <nameOfIssuer>FLAHERTY &amp; CRUMRINE PFD INCO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33848E106</cusip>
         <value>17</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1510</None>
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         <nameOfIssuer>FLOWERS FOODS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>343498101</cusip>
         <value>179</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6975</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>3375</None>
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         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US EQUITY ETF</titleOfClass>
         <cusip>25434V401</cusip>
         <value>4451</value>
         <shrsOrPrnAmt>
             <sshPrnamt>90800</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>70815</None>
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         <titleOfClass>COM CL A</titleOfClass>
         <cusip>25659T107</cusip>
         <value>25</value>
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             <sshPrnamt>324</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>DOLLAR TREE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256746108</cusip>
         <value>66</value>
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             <sshPrnamt>412</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <cusip>25058X105</cusip>
         <value>0</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM NEW</titleOfClass>
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         <titleOfClass>INTERNATNAL VAL</titleOfClass>
         <cusip>25434V807</cusip>
         <value>194</value>
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     <infoTable>
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         <cusip>25434V880</cusip>
         <value>206</value>
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             <sshPrnamt>8242</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254687106</cusip>
         <value>135652</value>
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             <None>253419</None>
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     <infoTable>
         <nameOfIssuer>DISCOVERY INC</nameOfIssuer>
         <titleOfClass>COM SER C</titleOfClass>
         <cusip>25470F302</cusip>
         <value>37</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>1476</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DISH NETWORK CORPORATION</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>25470M109</cusip>
         <value>50</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1581</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256677105</cusip>
         <value>841</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3779</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3502</Sole>
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             <None>277</None>
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     <infoTable>
         <nameOfIssuer>DUKE REALTY CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>264411505</cusip>
         <value>2221</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>687</None>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>26622P107</cusip>
         <value>1647</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>21784</Sole>
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         <nameOfIssuer>ELANCO ANIMAL HEALTH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>28414H103</cusip>
         <value>63</value>
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             <None>2084</None>
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         <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>291011104</cusip>
         <value>29184</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>384109104</cusip>
         <value>90</value>
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         <cusip>401617AD7</cusip>
         <value>14</value>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <value>310</value>
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         <value>6135</value>
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         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
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         <cusip>25434V500</cusip>
         <value>375</value>
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         <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>440327104</cusip>
         <value>8</value>
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             <sshPrnamt>180</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
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         <value>34</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>320557101</cusip>
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         <cusip>37637Q105</cusip>
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         <titleOfClass>MSCI CONSM DIS</titleOfClass>
         <cusip>316092204</cusip>
         <value>4018</value>
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         <titleOfClass>WTR ETF</titleOfClass>
         <cusip>33733B100</cusip>
         <value>55</value>
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         <cusip>33733E302</cusip>
         <value>69</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>337932107</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>316773100</cusip>
         <value>6039</value>
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     <infoTable>
         <nameOfIssuer>FIRST CTZNS BANCSHARES INC N</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>31946M103</cusip>
         <value>1</value>
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         <value>40</value>
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         <nameOfIssuer>HBT FINL INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>HANCOCK JOHN INCOME SECS TR</nameOfIssuer>
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         <cusip>410123103</cusip>
         <value>8</value>
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         <nameOfIssuer>HILTON WORLDWIDE HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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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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         <titleOfClass>COM</titleOfClass>
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         <value>3</value>
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         <nameOfIssuer>INNOVATIVE INDL PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45781V101</cusip>
         <value>2549</value>
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         <nameOfIssuer>EBAY INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>278642103</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>45784P101</cusip>
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         <nameOfIssuer>INTEGER HLDGS CORP</nameOfIssuer>
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         <titleOfClass>OPTIMUM YIELD</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>28106W103</cusip>
         <value>8</value>
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         <titleOfClass>COM</titleOfClass>
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             <None>380</None>
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         <nameOfIssuer>ENERGIZER HLDGS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <None>2557</None>
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         <nameOfIssuer>INTEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <None>0</None>
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         <cusip>46137V134</cusip>
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         <cusip>46137V332</cusip>
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         <cusip>46137V357</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>428</value>
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         <nameOfIssuer>GABELLI DIVID &amp; INCOME TR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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             <None>72950</None>
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         <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>37045V100</cusip>
         <value>361</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8247</sshPrnamt>
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         <otherManager>4</otherManager>
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             <Sole>4956</Sole>
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             <None>3291</None>
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         <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>372460105</cusip>
         <value>1571</value>
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             <sshPrnamt>12467</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>500</None>
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         <cusip>37954Y715</cusip>
         <value>13</value>
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             <sshPrnamt>459</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <value>11</value>
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         <nameOfIssuer>GRAHAM HLDGS CO</nameOfIssuer>
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         <value>31</value>
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         <nameOfIssuer>GUIDEWIRE SOFTWARE INC</nameOfIssuer>
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         <nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>40412C101</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>29444U700</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>46137V662</cusip>
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         <titleOfClass>GLOBAL WATER</titleOfClass>
         <cusip>46138E651</cusip>
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         <cusip>46138G698</cusip>
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         <nameOfIssuer>HAEMONETICS CORP MASS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>405024100</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>BARCLAYS 7 10 YR</titleOfClass>
         <cusip>464287440</cusip>
         <value>260</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>337428</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>173819</Sole>
             <Shared>0</Shared>
             <None>163609</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
         <titleOfClass>UNIT SER 1</titleOfClass>
         <cusip>46090E103</cusip>
         <value>6756</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18635</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>16757</Sole>
             <Shared>0</Shared>
             <None>1878</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P MDCP400 VL</titleOfClass>
         <cusip>46137V191</cusip>
         <value>29</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>300</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>INVESCO MSCI</titleOfClass>
         <cusip>46137V407</cusip>
         <value>2768</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45045</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9053</Sole>
             <Shared>0</Shared>
             <None>35992</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>NORTH AMERN NAT</titleOfClass>
         <cusip>464287374</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>115</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>115</Sole>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
         <cusip>464287507</cusip>
         <value>13932</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51920</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7986</Sole>
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             <None>43934</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>US CONSUM DISCRE</titleOfClass>
         <cusip>464287580</cusip>
         <value>253</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3368</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>3368</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
         <cusip>464287598</cusip>
         <value>9325</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56179</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4739</Sole>
             <Shared>0</Shared>
             <None>51440</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>U.S. BAS MTL ETF</titleOfClass>
         <cusip>464287838</cusip>
         <value>79</value>
         <shrsOrPrnAmt>
             <sshPrnamt>531</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>531</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>S&amp;P SML 600 GWT</titleOfClass>
         <cusip>464287887</cusip>
         <value>387</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3096</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2978</Sole>
             <Shared>0</Shared>
             <None>118</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>GL CLEAN ENE ETF</titleOfClass>
         <cusip>464288224</cusip>
         <value>51</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2370</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>25</Sole>
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             <None>2345</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>NATL AMT MUNI</titleOfClass>
         <cusip>46138E537</cusip>
         <value>50</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>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>US TRSPRTION</titleOfClass>
         <cusip>464287192</cusip>
         <value>25</value>
         <shrsOrPrnAmt>
             <sshPrnamt>94</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>94</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
         <cusip>464287200</cusip>
         <value>13294</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29301</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>28388</Sole>
             <Shared>0</Shared>
             <None>913</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE US AGGBD ET</titleOfClass>
         <cusip>464287226</cusip>
         <value>476</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4442</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3300</Sole>
             <Shared>0</Shared>
             <None>1142</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBOXX INV CP ETF</titleOfClass>
         <cusip>464287242</cusip>
         <value>4055</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33533</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>32080</Sole>
             <Shared>0</Shared>
             <None>1453</None>
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     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>S&amp;P EM MKT DIV</titleOfClass>
         <cusip>78463X533</cusip>
         <value>62</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2119</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>2119</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
         <cusip>78464A375</cusip>
         <value>17</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>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P METALS MNG</titleOfClass>
         <cusip>78464A755</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>65</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 600 SML CAP</titleOfClass>
         <cusip>78464A813</cusip>
         <value>1525</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16288</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>13658</Sole>
             <Shared>0</Shared>
             <None>2630</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP GRW</titleOfClass>
         <cusip>78464A821</cusip>
         <value>552</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7439</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7439</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>LIBERTY LATIN AMERICA LTD</nameOfIssuer>
         <titleOfClass>NOTE 2.000% 7/1</titleOfClass>
         <cusip>53069QAB5</cusip>
         <value>33</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36000</sshPrnamt>
             <sshPrnamtType>PRN</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>36000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>LIBERTY MEDIA CORP DEL</nameOfIssuer>
         <titleOfClass>COM C SIRIUSXM</titleOfClass>
         <cusip>531229607</cusip>
         <value>95</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2075</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2075</Sole>
             <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>494</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1424</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1345</Sole>
             <Shared>0</Shared>
             <None>79</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>47</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>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
         <cusip>78468R853</cusip>
         <value>18</value>
         <shrsOrPrnAmt>
             <sshPrnamt>435</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>435</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>100626</value>
         <shrsOrPrnAmt>
             <sshPrnamt>473936</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>321229</Sole>
             <Shared>0</Shared>
             <None>152707</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM STK</titleOfClass>
         <cusip>806857108</cusip>
         <value>2473</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59862</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>44367</Sole>
             <Shared>0</Shared>
             <None>15495</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>EAFE SML CP ETF</titleOfClass>
         <cusip>464288273</cusip>
         <value>2167</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32669</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5254</Sole>
             <Shared>0</Shared>
             <None>27415</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>JPMORGAN USD EMG</titleOfClass>
         <cusip>464288281</cusip>
         <value>1215</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12431</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>12072</Sole>
             <Shared>0</Shared>
             <None>359</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MRNING SM CP ETF</titleOfClass>
         <cusip>464288703</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>60</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MSCI USA ESG SLC</titleOfClass>
         <cusip>464288802</cusip>
         <value>98</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1010</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>62</Sole>
             <Shared>0</Shared>
             <None>948</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>EAFE GRWTH ETF</titleOfClass>
         <cusip>464288885</cusip>
         <value>18</value>
         <shrsOrPrnAmt>
             <sshPrnamt>182</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>182</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LINDBLAD EXPEDITIONS HLDGS I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>535219109</cusip>
         <value>15</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>MPLX LP</nameOfIssuer>
         <titleOfClass>COM UNIT REP LTD</titleOfClass>
         <cusip>55336V100</cusip>
         <value>25756</value>
         <shrsOrPrnAmt>
             <sshPrnamt>776249</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>704749</Sole>
             <Shared>0</Shared>
             <None>71500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MSA SAFETY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>553498106</cusip>
         <value>451</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3400</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MACERICH CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>554382101</cusip>
         <value>124</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7924</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4760</Sole>
             <Shared>0</Shared>
             <None>3164</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MARSH &amp; MCLENNAN COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>571748102</cusip>
         <value>6551</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38440</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
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         <otherManager>4</otherManager>
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     <infoTable>
         <nameOfIssuer>MARTIN MARIETTA MATLS INC</nameOfIssuer>
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             <None>2020</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
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     <infoTable>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <nameOfIssuer>MONSTER BEVERAGE CORP NEW</nameOfIssuer>
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         <nameOfIssuer>SERVICE PPTYS TR</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <None>0</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
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         <value>1</value>
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         <value>369</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>495</value>
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     <infoTable>
         <nameOfIssuer>STMICROELECTRONICS N V</nameOfIssuer>
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         <value>1359</value>
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         <cusip>87241L109</cusip>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>89055F103</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>140</value>
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         <nameOfIssuer>TRANSDIGM GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>893641100</cusip>
         <value>215</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>83</value>
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         <cusip>922908652</cusip>
         <value>408</value>
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         <value>6859</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>925652109</cusip>
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             <None>0</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>46429B655</cusip>
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         <cusip>46434V738</cusip>
         <value>62</value>
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         <cusip>46435G433</cusip>
         <value>212</value>
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             <None>250</None>
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         <titleOfClass>ESG AW MSCI EAFE</titleOfClass>
         <cusip>46435G516</cusip>
         <value>4108</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>549498103</cusip>
         <value>10</value>
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             <None>270</None>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>55825T103</cusip>
         <value>63</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>55826T102</cusip>
         <value>45</value>
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             <sshPrnamt>545</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>562662106</cusip>
         <value>22</value>
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             <sshPrnamt>967</sshPrnamt>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>56501R106</cusip>
         <value>140</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>2830</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>688239201</cusip>
         <value>226</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>16</None>
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         <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68902V107</cusip>
         <value>3705</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>18084</None>
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         <nameOfIssuer>OTTER TAIL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>689648103</cusip>
         <value>30</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>693506107</cusip>
         <value>331</value>
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             <None>534</None>
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         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>194913</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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         <titleOfClass>COM</titleOfClass>
         <cusip>929236107</cusip>
         <value>128</value>
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         <nameOfIssuer>PAGERDUTY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69553P100</cusip>
         <value>1</value>
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         <nameOfIssuer>PARK NATL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>700658107</cusip>
         <value>282</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>2150</Sole>
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             <None>0</None>
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         <nameOfIssuer>PAYCOM SOFTWARE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70432V102</cusip>
         <value>17620</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>22</None>
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         <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70450Y103</cusip>
         <value>76198</value>
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             <sshPrnamt>658867</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>249524</None>
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         <nameOfIssuer>ZOOM VIDEO COMMUNICATIONS IN</nameOfIssuer>
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             <None>1600</None>
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     <infoTable>
         <nameOfIssuer>ROBINHOOD MKTS INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>770700102</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>48</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROYAL BK CDA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>780087102</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>119</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>32</Sole>
             <Shared>0</Shared>
             <None>87</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
         <titleOfClass>GLB X SUPERDIV</titleOfClass>
         <cusip>37950E549</cusip>
         <value>33</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2915</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2915</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
         <titleOfClass>NASDAQ 100 COVER</titleOfClass>
         <cusip>37954Y483</cusip>
         <value>69</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>3300</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GOODYEAR TIRE &amp; RUBR CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>382550101</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1360</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1360</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>244</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3080</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>78</Sole>
             <Shared>0</Shared>
             <None>3002</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CRISPR THERAPEUTICS AG</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>H17182108</cusip>
         <value>262</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4175</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4150</Sole>
             <Shared>0</Shared>
             <None>25</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LOGITECH INTL S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H50430232</cusip>
         <value>15</value>
         <shrsOrPrnAmt>
             <sshPrnamt>202</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>202</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MYRIAD GENETICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>62855J104</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>374</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>374</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NCR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>62886E108</cusip>
         <value>48</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1190</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1190</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NRG ENERGY INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>629377508</cusip>
         <value>58</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>62955J103</cusip>
         <value>104</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5310</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3746</Sole>
             <Shared>0</Shared>
             <None>1564</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NETEASE INC</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>64110W102</cusip>
         <value>160</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1784</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1124</Sole>
             <Shared>0</Shared>
             <None>660</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RYANAIR HOLDINGS PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>783513203</cusip>
         <value>25</value>
         <shrsOrPrnAmt>
             <sshPrnamt>289</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>289</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEI INVTS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>784117103</cusip>
         <value>297</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4929</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4929</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>784635104</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>210</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>210</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>S&amp;P INTL ETF</titleOfClass>
         <cusip>78463X772</cusip>
         <value>2333</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60154</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9228</Sole>
             <Shared>0</Shared>
             <None>50926</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLOOMBERG</titleOfClass>
         <cusip>78464A284</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG CONV</titleOfClass>
         <cusip>78464A359</cusip>
         <value>142</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1840</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1840</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO SHORT</titleOfClass>
         <cusip>78464A474</cusip>
         <value>117</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3890</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>3890</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>6996</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10474</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7326</Sole>
             <Shared>0</Shared>
             <None>3148</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>134</value>
         <shrsOrPrnAmt>
             <sshPrnamt>725</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>207</Sole>
             <Shared>0</Shared>
             <None>518</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORDSTROM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>655664100</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>470</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>470</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>66987V109</cusip>
         <value>2732</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31134</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>12884</Sole>
             <Shared>0</Shared>
             <None>18250</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>DJ REIT ETF</titleOfClass>
         <cusip>78464A607</cusip>
         <value>91</value>
         <shrsOrPrnAmt>
             <sshPrnamt>774</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>610</Sole>
             <Shared>0</Shared>
             <None>164</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P BIOTECH</titleOfClass>
         <cusip>78464A870</cusip>
         <value>6470</value>
         <shrsOrPrnAmt>
             <sshPrnamt>71979</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1600</Sole>
             <Shared>0</Shared>
             <None>70379</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78467J100</cusip>
         <value>53</value>
         <shrsOrPrnAmt>
             <sshPrnamt>700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>700</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
         <cusip>78468R622</cusip>
         <value>90</value>
         <shrsOrPrnAmt>
             <sshPrnamt>882</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>881</Sole>
             <Shared>0</Shared>
             <None>1</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
         <value>150</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1639</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1589</Sole>
             <Shared>0</Shared>
             <None>50</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CALIFORNIA AMT QLT MU</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670651108</cusip>
         <value>66</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4862</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>4862</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
         <cusip>67092P607</cusip>
         <value>4208</value>
         <shrsOrPrnAmt>
             <sshPrnamt>105621</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>105621</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CYBERSECURITY</titleOfClass>
         <cusip>46435U135</cusip>
         <value>284</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6650</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6650</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ESG MSCI LEADR</titleOfClass>
         <cusip>46435U218</cusip>
         <value>1394</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17601</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>17501</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ESG AWARE MSCI</titleOfClass>
         <cusip>46435U663</cusip>
         <value>1942</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51053</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8231</Sole>
             <Shared>0</Shared>
             <None>42822</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JD.COM INC</nameOfIssuer>
         <titleOfClass>SPON ADR CL A</titleOfClass>
         <cusip>47215P106</cusip>
         <value>22</value>
         <shrsOrPrnAmt>
             <sshPrnamt>387</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>371</Sole>
             <Shared>0</Shared>
             <None>16</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>679580100</cusip>
         <value>7757</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25970</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22881</Sole>
             <Shared>0</Shared>
             <None>3089</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SVB FINANCIAL GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78486Q101</cusip>
         <value>7299</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13046</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>13027</Sole>
             <Shared>0</Shared>
             <None>19</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANDERSON FARMS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>800013104</cusip>
         <value>1331</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7100</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>3886</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35019</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6721</Sole>
             <Shared>0</Shared>
             <None>28298</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PG&amp;E CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69331C108</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>107</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>107</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PACIFIC BIOSCIENCES CALIF IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69404D108</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>35</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>329</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>329</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCRIPPS E W CO OHIO</nameOfIssuer>
         <titleOfClass>CL A NEW</titleOfClass>
         <cusip>811054402</cusip>
         <value>66</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3166</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3166</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>1916</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15995</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10695</Sole>
             <Shared>0</Shared>
             <None>5300</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>34</value>
         <shrsOrPrnAmt>
             <sshPrnamt>453</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>103</Sole>
             <Shared>0</Shared>
             <None>350</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>817565104</cusip>
         <value>32</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>JONES LANG LASALLE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>48020Q107</cusip>
         <value>424</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1770</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1770</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>KIMCO RLTY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>49446R109</cusip>
         <value>1865</value>
         <shrsOrPrnAmt>
             <sshPrnamt>75502</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>59275</Sole>
             <Shared>0</Shared>
             <None>16227</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>500754106</cusip>
         <value>468</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11892</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7945</Sole>
             <Shared>0</Shared>
             <None>3947</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PEMBINA PIPELINE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>706327103</cusip>
         <value>38</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1013</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1013</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PIMCO CORPORATE &amp; INCM STRG</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>72200U100</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>730</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>730</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PLUG POWER INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>72919P202</cusip>
         <value>143</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>POPULAR INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>733174700</cusip>
         <value>214</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2621</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1018</Sole>
             <Shared>0</Shared>
             <None>1603</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74251V102</cusip>
         <value>52</value>
         <shrsOrPrnAmt>
             <sshPrnamt>714</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>714</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PROSHARES TR</nameOfIssuer>
         <titleOfClass>S&amp;P 500 DV ARIST</titleOfClass>
         <cusip>74348A467</cusip>
         <value>95</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>PUBLIC SVC ENTERPRISE GRP IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>744573106</cusip>
         <value>4860</value>
         <shrsOrPrnAmt>
             <sshPrnamt>69434</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>65379</Sole>
             <Shared>0</Shared>
             <None>4055</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74460D109</cusip>
         <value>3466</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8881</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5289</Sole>
             <Shared>0</Shared>
             <None>3592</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>745867101</cusip>
         <value>258</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6165</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2300</Sole>
             <Shared>0</Shared>
             <None>3865</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>QUANTUMSCAPE CORP</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>74767V109</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>60</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RENAISSANCE CAP GREENWICH FD</nameOfIssuer>
         <titleOfClass>IPO ETF</titleOfClass>
         <cusip>759937204</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>186</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>186</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RITCHIE BROS AUCTIONEERS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>767744105</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>188</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>188</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>78410G104</cusip>
         <value>1298</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3772</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3693</Sole>
             <Shared>0</Shared>
             <None>79</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
         <titleOfClass>TR UNIT</titleOfClass>
         <cusip>78462F103</cusip>
         <value>64182</value>
         <shrsOrPrnAmt>
             <sshPrnamt>142110</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>130747</Sole>
             <Shared>0</Shared>
             <None>11363</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
         <cusip>78468R408</cusip>
         <value>16</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>SPDR S&amp;P 500 ETF</titleOfClass>
         <cusip>78468R796</cusip>
         <value>469</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4224</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>4224</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SABINE RTY TR</nameOfIssuer>
         <titleOfClass>UNIT BEN INT</titleOfClass>
         <cusip>785688102</cusip>
         <value>246</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4256</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2256</Sole>
             <Shared>0</Shared>
             <None>2000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAUL CTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>804395101</cusip>
         <value>316</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806407102</cusip>
         <value>23</value>
         <shrsOrPrnAmt>
             <sshPrnamt>260</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>260</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SCHWB FDT INT LG</titleOfClass>
         <cusip>808524755</cusip>
         <value>61</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1885</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1885</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
         <value>2111</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3123</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2325</Sole>
             <Shared>0</Shared>
             <None>798</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIGNATURE BK NEW YORK N Y</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82669G104</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>65</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL SCEQT ETF</titleOfClass>
         <cusip>808524888</cusip>
         <value>6128</value>
         <shrsOrPrnAmt>
             <sshPrnamt>161379</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>161279</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>1103</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5964</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5673</Sole>
             <Shared>0</Shared>
             <None>291</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>752</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4731</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4390</Sole>
             <Shared>0</Shared>
             <None>341</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>257</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3735</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3735</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>120</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2487</sshPrnamt>
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         <cusip>91359E105</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>922475108</cusip>
         <value>648</value>
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         <otherManager>4</otherManager>
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             <Sole>2395</Sole>
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             <None>654</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92276F100</cusip>
         <value>26</value>
         <shrsOrPrnAmt>
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             <Sole>418</Sole>
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             <None>0</None>
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         <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
         <titleOfClass>TAX EXEMPT BD</titleOfClass>
         <cusip>922907746</cusip>
         <value>5838</value>
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             <None>1747</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>LARGE CAP ETF</titleOfClass>
         <cusip>922908637</cusip>
         <value>4759</value>
         <shrsOrPrnAmt>
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         <otherManager>4</otherManager>
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             <None>718</None>
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         <titleOfClass>COM NEW</titleOfClass>
         <cusip>620076307</cusip>
         <value>132</value>
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     <infoTable>
         <nameOfIssuer>NATIONAL RETAIL PROPERTIES I</nameOfIssuer>
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         <cusip>637417106</cusip>
         <value>2</value>
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             <None>0</None>
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         <value>393</value>
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             <None>9238</None>
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         <cusip>929042109</cusip>
         <value>618</value>
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             <None>209</None>
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         <cusip>40131M109</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>41068X100</cusip>
         <value>46274</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>416515104</cusip>
         <value>1</value>
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             <Sole>10</Sole>
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             <None>0</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>9219</value>
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         <otherManager>4</otherManager>
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             <Sole>20713</Sole>
             <Shared>0</Shared>
             <None>1491</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>7791</value>
         <shrsOrPrnAmt>
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         <otherManager>4</otherManager>
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             <Sole>30805</Sole>
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             <None>595</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>54195</value>
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         <otherManager>4</otherManager>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>85480</value>
         <shrsOrPrnAmt>
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         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>205803</Sole>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>27924</value>
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             <None>223358</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>651639106</cusip>
         <value>662</value>
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             <None>3619</None>
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         <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>655844108</cusip>
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             <None>6221</None>
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         <nameOfIssuer>NUVEEN SELECT MAT MUN FD</nameOfIssuer>
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         <cusip>67061T101</cusip>
         <value>996</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>670657105</cusip>
         <value>59</value>
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             <None>4487</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>67072C105</cusip>
         <value>8</value>
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             <None>0</None>
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         <nameOfIssuer>NUVEEN FLOATING RATE INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072T108</cusip>
         <value>0</value>
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             <sshPrnamt>45</sshPrnamt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME OPPORTUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67073B106</cusip>
         <value>9</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>1000</None>
         </votingAuthority>
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         <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670928100</cusip>
         <value>53</value>
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             <sshPrnamt>5500</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG LRGCP</titleOfClass>
         <cusip>67092P201</cusip>
         <value>8</value>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92532F100</cusip>
         <value>182</value>
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             <sshPrnamt>699</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>699</Sole>
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             <None>0</None>
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         <nameOfIssuer>PARAMOUNT GLOBAL</nameOfIssuer>
         <titleOfClass>CLASS B COM</titleOfClass>
         <cusip>92556H206</cusip>
         <value>45</value>
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         <otherManager>4</otherManager>
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             <None>837</None>
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         <nameOfIssuer>VIMEO INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>92719V100</cusip>
         <value>4</value>
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         <otherManager>4</otherManager>
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             <Sole>324</Sole>
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             <None>12</None>
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         <nameOfIssuer>VOYA GLBL EQTY DIV &amp; PREM OP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92912T100</cusip>
         <value>2</value>
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         <otherManager>4</otherManager>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>931142103</cusip>
         <value>23927</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>8207</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>947890109</cusip>
         <value>7362</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>929328102</cusip>
         <value>2648</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92936U109</cusip>
         <value>20</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92939U106</cusip>
         <value>1085</value>
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             <None>0</None>
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         <titleOfClass>NOTE 1.000% 8/1</titleOfClass>
         <cusip>94419LAF8</cusip>
         <value>35</value>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>WESTERN DIGITAL CORP.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>958102105</cusip>
         <value>230</value>
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             <None>3000</None>
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         <nameOfIssuer>NUVEEN PENNSYLVANIA QLT MUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>SELECT DIVID ETF</titleOfClass>
         <cusip>464287168</cusip>
         <value>1805</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9929</Sole>
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             <None>4159</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>TIPS BD ETF</titleOfClass>
         <cusip>464287176</cusip>
         <value>548</value>
         <shrsOrPrnAmt>
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         <votingAuthority>
             <Sole>2908</Sole>
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             <None>1489</None>
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         <nameOfIssuer>NUCOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670346105</cusip>
         <value>1313</value>
         <shrsOrPrnAmt>
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         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5500</Sole>
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             <None>3333</None>
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         <nameOfIssuer>NUVEEN MUN HIGH INCOME OPPOR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670682103</cusip>
         <value>64</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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         <nameOfIssuer>NUVEEN CR STRATEGIES INCOME</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67073D102</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>NUVEEN DOW 30 DYNMC OVERWRT</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>67075F105</cusip>
         <value>227</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13673</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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         <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67077M108</cusip>
         <value>8921</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85790</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>73792</Sole>
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             <None>11998</None>
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         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
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         <cusip>674599162</cusip>
         <value>833</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23638</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>23560</Sole>
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             <None>78</None>
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         <nameOfIssuer>OKTA INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>679295105</cusip>
         <value>100</value>
         <shrsOrPrnAmt>
             <sshPrnamt>660</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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         <titleOfClass>COM</titleOfClass>
         <cusip>681919106</cusip>
         <value>475</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5600</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>5600</None>
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         <nameOfIssuer>ON SEMICONDUCTOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682189105</cusip>
         <value>36</value>
         <shrsOrPrnAmt>
             <sshPrnamt>570</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>457</Sole>
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             <None>113</None>
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         <nameOfIssuer>ONE GAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68235P108</cusip>
         <value>129</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1457</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1457</Sole>
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             <None>0</None>
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         <nameOfIssuer>ORACLE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68389X105</cusip>
         <value>15610</value>
         <shrsOrPrnAmt>
             <sshPrnamt>188686</sshPrnamt>
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             <None>25610</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>GLOB HLTHCRE ETF</titleOfClass>
         <cusip>464287325</cusip>
         <value>138</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1580</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>580</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
         <cusip>464287408</cusip>
         <value>235</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1510</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>1135</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>COHEN STEER REIT</titleOfClass>
         <cusip>464287564</cusip>
         <value>85</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
         <cusip>464287614</cusip>
         <value>10323</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37181</sshPrnamt>
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             <None>9493</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE S&amp;P US VLU</titleOfClass>
         <cusip>464287663</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>98</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>RUSSELL 3000 ETF</titleOfClass>
         <cusip>464287689</cusip>
         <value>218</value>
         <shrsOrPrnAmt>
             <sshPrnamt>830</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>U.S. TECH ETF</titleOfClass>
         <cusip>464287721</cusip>
         <value>2048</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19880</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>16240</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>SP SMCP600VL ETF</titleOfClass>
         <cusip>464287879</cusip>
         <value>43</value>
         <shrsOrPrnAmt>
             <sshPrnamt>425</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>209</None>
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         <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>68622V106</cusip>
         <value>479</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>1751</None>
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         <nameOfIssuer>PACIRA BIOSCIENCES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>695127100</cusip>
         <value>61</value>
         <shrsOrPrnAmt>
             <sshPrnamt>800</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PACKAGING CORP AMER</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>695156109</cusip>
         <value>127</value>
         <shrsOrPrnAmt>
             <sshPrnamt>811</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>0</None>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>69608A108</cusip>
         <value>1889</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>33065</None>
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         <nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>701094104</cusip>
         <value>35159</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>52144</None>
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         <titleOfClass>CL A COM</titleOfClass>
         <cusip>70614W100</cusip>
         <value>0</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>717081103</cusip>
         <value>55129</value>
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             <None>219306</None>
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         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
         <titleOfClass>ENHAN SHRT MA AC</titleOfClass>
         <cusip>72201R833</cusip>
         <value>3639</value>
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             <None>4200</None>
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         <nameOfIssuer>PIMCO DYNAMIC INCOME FD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>72201Y101</cusip>
         <value>8</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MSCI ACWI ETF</titleOfClass>
         <cusip>464288257</cusip>
         <value>1499</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>14901</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CALIF MUN BD ETF</titleOfClass>
         <cusip>464288356</cusip>
         <value>204</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3499</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>3499</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>3 7 YR TREAS BD</titleOfClass>
         <cusip>464288661</cusip>
         <value>10427</value>
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             <sshPrnamt>85431</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>85431</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>SHORT TREAS BD</titleOfClass>
         <cusip>464288679</cusip>
         <value>6366</value>
         <shrsOrPrnAmt>
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             <Sole>24495</Sole>
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             <None>33251</None>
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         <nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>723787107</cusip>
         <value>44458</value>
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             <None>31339</None>
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         <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74144T108</cusip>
         <value>16467</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>22643</None>
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         <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>742718109</cusip>
         <value>79763</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>172549</None>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74340W103</cusip>
         <value>144613</value>
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         <value>270</value>
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         <value>548</value>
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         <nameOfIssuer>MUELLER INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>624756102</cusip>
         <value>141</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>NEW YORK CMNTY BANCORP INC</nameOfIssuer>
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         <nameOfIssuer>NEXTERA ENERGY PARTNERS LP</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>NUVEEN SELECT TAX-FREE INCOM</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>67062F100</cusip>
         <value>21</value>
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         <nameOfIssuer>NUVEEN NEW YORK AMT QLT MUNI</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
         <cusip>680223104</cusip>
         <value>955</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>68375N103</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>1771</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>83406F102</cusip>
         <value>28</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>79309</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>844741108</cusip>
         <value>840</value>
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         <value>1710</value>
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             <None>10805</None>
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         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>862121100</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>871607107</cusip>
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     <infoTable>
         <nameOfIssuer>TEKLA HEALTHCARE INVS</nameOfIssuer>
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         <cusip>87911J103</cusip>
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     <infoTable>
         <nameOfIssuer>TEMPLETON GLOBAL INCOME FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>880198106</cusip>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>143</value>
         <shrsOrPrnAmt>
             <sshPrnamt>954</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>915</Sole>
             <Shared>0</Shared>
             <None>39</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>16704</value>
         <shrsOrPrnAmt>
             <sshPrnamt>154134</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>61777</Sole>
             <Shared>0</Shared>
             <None>92357</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>4446</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25269</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>23958</Sole>
             <Shared>0</Shared>
             <None>1311</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>3939</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13695</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>13510</Sole>
             <Shared>0</Shared>
             <None>185</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>13852</value>
         <shrsOrPrnAmt>
             <sshPrnamt>64538</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>52054</Sole>
             <Shared>0</Shared>
             <None>12484</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VODAFONE GROUP PLC NEW</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>92857W308</cusip>
         <value>334</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20095</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10136</Sole>
             <Shared>0</Shared>
             <None>9959</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VOYA FINANCIAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929089100</cusip>
         <value>3981</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>60000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
         <cusip>78464A763</cusip>
         <value>285</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2221</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2203</Sole>
             <Shared>0</Shared>
             <None>18</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
         <cusip>78464A839</cusip>
         <value>58</value>
         <shrsOrPrnAmt>
             <sshPrnamt>828</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>828</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG INVT</titleOfClass>
         <cusip>78468R200</cusip>
         <value>42</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1378</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1378</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG MU</titleOfClass>
         <cusip>78468R721</cusip>
         <value>22</value>
         <shrsOrPrnAmt>
             <sshPrnamt>451</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>451</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SAFETY INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78648T100</cusip>
         <value>710</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7813</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6441</Sole>
             <Shared>0</Shared>
             <None>1372</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LRG CAP ETF</titleOfClass>
         <cusip>808524201</cusip>
         <value>3274</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60805</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>59364</Sole>
             <Shared>0</Shared>
             <None>1441</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US MID-CAP ETF</titleOfClass>
         <cusip>808524508</cusip>
         <value>5046</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66514</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9269</Sole>
             <Shared>0</Shared>
             <None>57245</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US SML CAP ETF</titleOfClass>
         <cusip>808524607</cusip>
         <value>3858</value>
         <shrsOrPrnAmt>
             <sshPrnamt>81458</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>14640</Sole>
             <Shared>0</Shared>
             <None>66818</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SCHWB FDT INT SC</titleOfClass>
         <cusip>808524748</cusip>
         <value>38</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1078</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1078</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>552</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15045</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1668</Sole>
             <Shared>0</Shared>
             <None>13377</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US TIPS ETF</titleOfClass>
         <cusip>808524870</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>82</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>82</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81181C104</cusip>
         <value>54</value>
         <shrsOrPrnAmt>
             <sshPrnamt>377</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>202</Sole>
             <Shared>0</Shared>
             <None>175</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>1446</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18919</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>13613</Sole>
             <Shared>0</Shared>
             <None>5306</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>850</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5053</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4853</Sole>
             <Shared>0</Shared>
             <None>200</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>81730H109</cusip>
         <value>17</value>
         <shrsOrPrnAmt>
             <sshPrnamt>428</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>428</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>93690</value>
         <shrsOrPrnAmt>
             <sshPrnamt>168237</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>152627</Sole>
             <Shared>0</Shared>
             <None>15610</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHYFT GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825698103</cusip>
         <value>22</value>
         <shrsOrPrnAmt>
             <sshPrnamt>602</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>602</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>11727</value>
         <shrsOrPrnAmt>
             <sshPrnamt>89135</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>60507</Sole>
             <Shared>0</Shared>
             <None>28628</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83088M102</cusip>
         <value>49</value>
         <shrsOrPrnAmt>
             <sshPrnamt>365</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>365</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMITH A O CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>831865209</cusip>
         <value>89</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1400</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>56</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32000</sshPrnamt>
             <sshPrnamtType>PRN</sshPrnamtType>
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         <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>687</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1355</Sole>
             <Shared>0</Shared>
             <None>1645</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONOCO PRODS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>835495102</cusip>
         <value>31</value>
         <shrsOrPrnAmt>
             <sshPrnamt>500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHSTATE CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>840441109</cusip>
         <value>3860</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47309</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>47309</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPRINGWORKS THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>85205L107</cusip>
         <value>45</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>STATE STR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>857477103</cusip>
         <value>6110</value>
         <shrsOrPrnAmt>
             <sshPrnamt>70132</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>24034</Sole>
             <Shared>0</Shared>
             <None>46098</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WATERS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>941848103</cusip>
         <value>710</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2288</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1380</Sole>
             <Shared>0</Shared>
             <None>908</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WATTS WATER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>942749102</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>139</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>139</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WESTERN ASSET HIGH INCOME OP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>95766K109</cusip>
         <value>435</value>
         <shrsOrPrnAmt>
             <sshPrnamt>97306</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>94306</Sole>
             <Shared>0</Shared>
             <None>3000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SURGALIGN HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>86882C105</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>20000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TAKEDA PHARMACEUTICAL CO LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>874060205</cusip>
         <value>57</value>
         <shrsOrPrnAmt>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>989207105</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>G0464B107</cusip>
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         <cusip>G21810109</cusip>
         <value>5731</value>
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         <value>145</value>
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         <cusip>G6674U108</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>G9618E107</cusip>
         <value>14</value>
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         <cusip>H2906T109</cusip>
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         <cusip>00162Q452</cusip>
         <value>260</value>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>001084102</cusip>
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         <value>1101</value>
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         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
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         <cusip>25434V609</cusip>
         <value>646</value>
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         <nameOfIssuer>CINTAS CORP</nameOfIssuer>
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         <cusip>172908105</cusip>
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         <nameOfIssuer>COMMERCE BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>15135B101</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>370334104</cusip>
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         <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31620M106</cusip>
         <value>726</value>
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             <sshPrnamt>7227</sshPrnamt>
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         <nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>
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         <value>992</value>
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         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>WTR ETF</titleOfClass>
         <cusip>33733B100</cusip>
         <value>511</value>
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             <sshPrnamt>6055</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>244199105</cusip>
         <value>3837</value>
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             <sshPrnamt>9237</sshPrnamt>
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         <nameOfIssuer>DELTA AIR LINES INC DEL</nameOfIssuer>
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         <cusip>247361702</cusip>
         <value>350</value>
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         <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25179M103</cusip>
         <value>965</value>
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         <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
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         <cusip>25243Q205</cusip>
         <value>1446</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>277432100</cusip>
         <value>230</value>
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             <sshPrnamt>2048</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>EBAY INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>278642103</cusip>
         <value>221</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3858</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>3818</Sole>
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         <nameOfIssuer>ESSEX PPTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>297178105</cusip>
         <value>228</value>
         <shrsOrPrnAmt>
             <sshPrnamt>661</sshPrnamt>
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             <Sole>661</Sole>
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         <nameOfIssuer>EVERCORE INC</nameOfIssuer>
         <titleOfClass>CLASS A</titleOfClass>
         <cusip>29977A105</cusip>
         <value>589</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>FB FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30257X104</cusip>
         <value>784</value>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
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         <cusip>33741X102</cusip>
         <value>881</value>
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             <sshPrnamt>31583</sshPrnamt>
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         <cusip>25434V401</cusip>
         <value>866</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17673</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
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         <cusip>25434V708</cusip>
         <value>839</value>
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             <sshPrnamt>30437</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256677105</cusip>
         <value>1733</value>
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             <sshPrnamt>7786</sshPrnamt>
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         <nameOfIssuer>DOLLAR TREE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>326</value>
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         <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254687106</cusip>
         <value>11268</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>254709108</cusip>
         <value>628</value>
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         <cusip>25470M109</cusip>
         <value>818</value>
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         <nameOfIssuer>DUKE REALTY CORP</nameOfIssuer>
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         <value>322</value>
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         <cusip>26441C204</cusip>
         <value>779</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>384109104</cusip>
         <value>256</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>222</value>
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         <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959J108</cusip>
         <value>997</value>
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             <None>4407</None>
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         <nameOfIssuer>HESS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>42809H107</cusip>
         <value>966</value>
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             <sshPrnamt>9027</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>HILTON WORLDWIDE HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>43300A203</cusip>
         <value>1504</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>436440101</cusip>
         <value>558</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>25746U109</cusip>
         <value>800</value>
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             <sshPrnamt>9408</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>311900104</cusip>
         <value>2076</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>29250N105</cusip>
         <value>913</value>
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             <sshPrnamt>19808</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>293792107</cusip>
         <value>1717</value>
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             <sshPrnamt>66539</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>37940X102</cusip>
         <value>614</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4484</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>0</None>
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         <nameOfIssuer>GLOBE LIFE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>37959E102</cusip>
         <value>1579</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>15700</Sole>
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             <None>0</None>
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         <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>38141G104</cusip>
         <value>2854</value>
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             <sshPrnamt>8647</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>8047</Sole>
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         <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30225T102</cusip>
         <value>227</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1105</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>FIDELITY D &amp; D BANCORP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31609R100</cusip>
         <value>253</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5453</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FST LOW OPPT EFT</titleOfClass>
         <cusip>33739Q200</cusip>
         <value>274</value>
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             <Sole>601</Sole>
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         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>EQUITYCOMPASS</titleOfClass>
         <cusip>33740F607</cusip>
         <value>832</value>
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     <infoTable>
         <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>369550108</cusip>
         <value>1019</value>
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             <sshPrnamt>4228</sshPrnamt>
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             <None>871</None>
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         <nameOfIssuer>FORTUNE BRANDS HOME &amp; SEC IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34964C106</cusip>
         <value>294</value>
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             <sshPrnamt>3957</sshPrnamt>
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             <Sole>3957</Sole>
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             <None>0</None>
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         <nameOfIssuer>DUN &amp; BRADSTREET HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>26484T106</cusip>
         <value>256</value>
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             <sshPrnamt>14634</sshPrnamt>
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             <Sole>12805</Sole>
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         <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>26614N102</cusip>
         <value>518</value>
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             <sshPrnamt>7045</sshPrnamt>
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         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4815</Sole>
             <Shared>2188</Shared>
             <None>42</None>
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     <infoTable>
         <nameOfIssuer>EOG RES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>26875P101</cusip>
         <value>206</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1733</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>1392</Sole>
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             <None>96</None>
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     <infoTable>
         <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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         <cusip>46090E103</cusip>
         <value>14893</value>
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             <sshPrnamt>41082</sshPrnamt>
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         <otherManager>5</otherManager>
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         <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>46120E602</cusip>
         <value>2879</value>
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             <sshPrnamt>9544</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>4637</None>
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         <nameOfIssuer>IDEXX LABS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45168D104</cusip>
         <value>669</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1223</sshPrnamt>
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             <None>1218</None>
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     <infoTable>
         <nameOfIssuer>ING GROEP N.V.</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>456837103</cusip>
         <value>115</value>
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             <sshPrnamt>11057</sshPrnamt>
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         <otherManager>5</otherManager>
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         <nameOfIssuer>EDISON INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>281020107</cusip>
         <value>308</value>
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             <Sole>4084</Sole>
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             <None>0</None>
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         <nameOfIssuer>ENTEGRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29362U104</cusip>
         <value>436</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3322</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29364G103</cusip>
         <value>346</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2961</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>1522</Sole>
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     <infoTable>
         <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45866F104</cusip>
         <value>1567</value>
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             <sshPrnamt>11864</sshPrnamt>
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         <otherManager>5</otherManager>
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             <None>128</None>
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     <infoTable>
         <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>459200101</cusip>
         <value>3079</value>
         <shrsOrPrnAmt>
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         <otherManager>5</otherManager>
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         <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA</nameOfIssuer>
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         <cusip>459506101</cusip>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>37045V100</cusip>
         <value>934</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21338</sshPrnamt>
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         <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>375558103</cusip>
         <value>1501</value>
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             <None>144</None>
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         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P500 EQL TEC</titleOfClass>
         <cusip>46137V282</cusip>
         <value>810</value>
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         <cusip>369604301</cusip>
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         <cusip>372303206</cusip>
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         <nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>678</value>
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         <nameOfIssuer>GUIDEWIRE SOFTWARE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>30040W108</cusip>
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         <cusip>46138E198</cusip>
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         <titleOfClass>COM</titleOfClass>
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             <None>4200</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>464287622</cusip>
         <value>7350</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>464287648</cusip>
         <value>1269</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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     <infoTable>
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         <value>977</value>
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         <cusip>33739Q408</cusip>
         <value>621</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>34959E109</cusip>
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         <cusip>46138E511</cusip>
         <value>350</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>46138G870</cusip>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>81369Y209</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>STIFEL FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>860630102</cusip>
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         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
         <value>3657</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>86606G101</cusip>
         <value>241</value>
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         <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
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         <value>436</value>
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         <nameOfIssuer>TRANSDIGM GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>893641100</cusip>
         <value>1854</value>
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         <value>909</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
         <cusip>464287804</cusip>
         <value>3404</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>464288372</cusip>
         <value>959</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>INTL SEL DIV ETF</titleOfClass>
         <cusip>464288448</cusip>
         <value>5740</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>64110L106</cusip>
         <value>3054</value>
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         <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
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         <cusip>919794107</cusip>
         <value>195</value>
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         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
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         <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>478160104</cusip>
         <value>10117</value>
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         <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
         <value>7536</value>
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         <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103H107</cusip>
         <value>911</value>
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         <nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>500754106</cusip>
         <value>214</value>
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         <value>1849</value>
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         <nameOfIssuer>LIBERTY BROADBAND CORP</nameOfIssuer>
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         <nameOfIssuer>LOWES COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>548661107</cusip>
         <value>3909</value>
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         <value>757</value>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
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         <cusip>922908512</cusip>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>3897</value>
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         <titleOfClass>MSCI USA QLT FCT</titleOfClass>
         <cusip>46432F339</cusip>
         <value>1856</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>46432F842</cusip>
         <value>13898</value>
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         <value>2598</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MSCI INTL QUALTY</titleOfClass>
         <cusip>46434V456</cusip>
         <value>4078</value>
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         <nameOfIssuer>MARKEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>570535104</cusip>
         <value>1832</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693475105</cusip>
         <value>984</value>
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             <sshPrnamt>5330</sshPrnamt>
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         <nameOfIssuer>VISA INC</nameOfIssuer>
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         <cusip>92826C839</cusip>
         <value>17323</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>WORKIVA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>98139A105</cusip>
         <value>446</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>MARTIN MARIETTA MATLS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>573284106</cusip>
         <value>643</value>
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             <sshPrnamt>1671</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1517</Sole>
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         <nameOfIssuer>MEDICAL PPTYS TRUST INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>58463J304</cusip>
         <value>365</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17297</sshPrnamt>
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         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>16702</Sole>
             <Shared>595</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PEPSICO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>713448108</cusip>
         <value>10349</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61831</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>44448</Sole>
             <Shared>8024</Shared>
             <None>9359</None>
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     <infoTable>
         <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G0450A105</cusip>
         <value>666</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13771</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>12065</Sole>
             <Shared>1706</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>6256</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41225</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>39501</Sole>
             <Shared>1633</Shared>
             <None>91</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>POLARIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>731068102</cusip>
         <value>288</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2731</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>861</Sole>
             <Shared>1870</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74144T108</cusip>
         <value>2878</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19035</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18481</Sole>
             <Shared>479</Shared>
             <None>75</None>
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     <infoTable>
         <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>742718109</cusip>
         <value>11334</value>
         <shrsOrPrnAmt>
             <sshPrnamt>74172</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>60151</Sole>
             <Shared>7468</Shared>
             <None>6553</None>
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     <infoTable>
         <nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74762E102</cusip>
         <value>977</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7424</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7100</Sole>
             <Shared>124</Shared>
             <None>200</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>756109104</cusip>
         <value>646</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9333</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5333</Sole>
             <Shared>4000</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>7591EP100</cusip>
         <value>1015</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45599</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>45530</Sole>
             <Shared>69</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>1787</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16103</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>11031</Sole>
             <Shared>671</Shared>
             <None>4401</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>776696106</cusip>
         <value>835</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1768</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1764</Sole>
             <Shared>4</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>254</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3193</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2207</Sole>
             <Shared>814</Shared>
             <None>172</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H84989104</cusip>
         <value>204</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1551</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1310</Sole>
             <Shared>241</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>DJ INTL RL ETF</titleOfClass>
         <cusip>78463X863</cusip>
         <value>290</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8495</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7185</Sole>
             <Shared>1310</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NIKE INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>654106103</cusip>
         <value>2154</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16008</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>14706</Sole>
             <Shared>732</Shared>
             <None>570</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>655844108</cusip>
         <value>2978</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10442</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8593</Sole>
             <Shared>1849</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>SPDR TR TACTIC</titleOfClass>
         <cusip>78467V848</cusip>
         <value>348</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7770</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7770</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS DEC2022</titleOfClass>
         <cusip>46435G755</cusip>
         <value>350</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>13500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>5810</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27368</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>24217</Sole>
             <Shared>2416</Shared>
             <None>735</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM STK</titleOfClass>
         <cusip>806857108</cusip>
         <value>499</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12066</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>11966</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTERNL DIVID</titleOfClass>
         <cusip>808524672</cusip>
         <value>253</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9850</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>9850</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>3210</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40689</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>40029</Sole>
             <Shared>660</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68902V107</cusip>
         <value>602</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7823</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5012</Sole>
             <Shared>189</Shared>
             <None>2622</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PPG INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693506107</cusip>
         <value>897</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6838</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6092</Sole>
             <Shared>746</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>569</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7510</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4510</Sole>
             <Shared>3000</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>776</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10161</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7311</Sole>
             <Shared>2850</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816300107</cusip>
         <value>447</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>718546104</cusip>
         <value>662</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7654</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7654</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>POOL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>73278L105</cusip>
         <value>211</value>
         <shrsOrPrnAmt>
             <sshPrnamt>499</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>446</Sole>
             <Shared>43</Shared>
             <None>10</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74340W103</cusip>
         <value>11156</value>
         <shrsOrPrnAmt>
             <sshPrnamt>69084</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>67958</Sole>
             <Shared>626</Shared>
             <None>500</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>744320102</cusip>
         <value>823</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6966</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5566</Sole>
             <Shared>1400</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74460D109</cusip>
         <value>398</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1020</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1020</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>745867101</cusip>
         <value>528</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12593</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>12593</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74834L100</cusip>
         <value>239</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1748</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>570</Sole>
             <Shared>1178</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>760759100</cusip>
         <value>315</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2375</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>778296103</cusip>
         <value>505</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5578</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1585</Sole>
             <Shared>493</Shared>
             <None>3500</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>78410G104</cusip>
         <value>1332</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3872</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1106</Sole>
             <Shared>11</Shared>
             <None>2755</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P REGL BKG</titleOfClass>
         <cusip>78464A698</cusip>
         <value>997</value>
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         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTRM TRM TRES</titleOfClass>
         <cusip>808524854</cusip>
         <value>1617</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30371</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>RL EST SEL SEC</titleOfClass>
         <cusip>81369Y860</cusip>
         <value>2050</value>
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             <sshPrnamt>42429</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>41929</Sole>
             <Shared>500</Shared>
             <None>0</None>
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         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>390</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2317</sshPrnamt>
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         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2202</Sole>
             <Shared>115</Shared>
             <None>0</None>
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         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>1964</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3527</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>3456</Sole>
             <Shared>71</Shared>
             <None>0</None>
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         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>1730</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6930</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Shared>15</Shared>
             <None>0</None>
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         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
         <value>3614</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39719</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>4238</None>
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         <nameOfIssuer>STATE STR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>857477103</cusip>
         <value>494</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5665</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <Shared>22</Shared>
             <None>0</None>
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         <nameOfIssuer>LABORATORY CORP AMER HLDGS</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>50540R409</cusip>
         <value>1100</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4171</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3548</Sole>
             <Shared>227</Shared>
             <None>396</None>
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         <nameOfIssuer>LAS VEGAS SANDS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>517834107</cusip>
         <value>932</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23975</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>23900</Sole>
             <Shared>0</Shared>
             <None>75</None>
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         <nameOfIssuer>SYSCO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871829107</cusip>
         <value>350</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4287</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4287</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872540109</cusip>
         <value>7077</value>
         <shrsOrPrnAmt>
             <sshPrnamt>116830</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>109910</Sole>
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             <None>4815</None>
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         <nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>573874104</cusip>
         <value>524</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7298</sshPrnamt>
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         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6375</Sole>
             <Shared>923</Shared>
             <None>0</None>
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         <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>57636Q104</cusip>
         <value>7820</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21881</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
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         <cusip>579780206</cusip>
         <value>1225</value>
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         <otherManager>5</otherManager>
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             <None>7000</None>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>90138F102</cusip>
         <value>508</value>
         <shrsOrPrnAmt>
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         <otherManager>5</otherManager>
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             <None>1849</None>
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         <nameOfIssuer>TWITTER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90184L102</cusip>
         <value>215</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90353T100</cusip>
         <value>279</value>
         <shrsOrPrnAmt>
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         <otherManager>5</otherManager>
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         <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>907818108</cusip>
         <value>19454</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
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         <value>738</value>
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         <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>911363109</cusip>
         <value>250</value>
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         <nameOfIssuer>UNITED THERAPEUTICS CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91307C102</cusip>
         <value>581</value>
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         <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91913Y100</cusip>
         <value>2716</value>
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         <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
         <titleOfClass>DIV APP ETF</titleOfClass>
         <cusip>921908844</cusip>
         <value>9562</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>59156R108</cusip>
         <value>744</value>
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         <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>594918104</cusip>
         <value>61316</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>595112103</cusip>
         <value>371</value>
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         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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         <value>346</value>
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         <cusip>92204A876</cusip>
         <value>218</value>
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         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
         <value>9679</value>
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         <cusip>92206C664</cusip>
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         <cusip>922908736</cusip>
         <value>31887</value>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>928254101</cusip>
         <value>829</value>
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         <nameOfIssuer>HANNON ARMSTRONG SUST INFR C</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>41068X100</cusip>
         <value>1557</value>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>4535</value>
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             <sshPrnamt>18275</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>11411</Sole>
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             <None>17</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>1680</value>
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             <sshPrnamt>7383</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>6418</Sole>
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     <infoTable>
         <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>66987V109</cusip>
         <value>932</value>
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             <sshPrnamt>10618</sshPrnamt>
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             <Sole>9393</Sole>
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             <None>310</None>
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         <nameOfIssuer>WALMART INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931142103</cusip>
         <value>5803</value>
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             <sshPrnamt>38969</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>34173</Sole>
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             <None>1911</None>
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         <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>955306105</cusip>
         <value>724</value>
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             <sshPrnamt>1762</sshPrnamt>
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             <Sole>1762</Sole>
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             <None>0</None>
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         <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931427108</cusip>
         <value>539</value>
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             <sshPrnamt>12023</sshPrnamt>
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         <otherManager>5</otherManager>
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         <nameOfIssuer>WELLTOWER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2379</Sole>
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         <nameOfIssuer>WILLSCOT MOBIL MINI HLDNG CO</nameOfIssuer>
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         <cusip>971378104</cusip>
         <value>531</value>
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         <nameOfIssuer>WEYERHAEUSER CO MTN BE</nameOfIssuer>
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         <cusip>962166104</cusip>
         <value>1882</value>
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             <Sole>44287</Sole>
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             <None>0</None>
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         <nameOfIssuer>WOODWARD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>980745103</cusip>
         <value>361</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2887</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2887</Sole>
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             <None>0</None>
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         <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>988498101</cusip>
         <value>1617</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13641</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>13049</Sole>
             <Shared>304</Shared>
             <None>288</None>
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     <infoTable>
         <nameOfIssuer>PGIM ETF TR</nameOfIssuer>
         <titleOfClass>ULTRA SHORT</titleOfClass>
         <cusip>69344A107</cusip>
         <value>496</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10075</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10075</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>7573</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22456</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>19306</Sole>
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             <None>2714</None>
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         <nameOfIssuer>CLARIVATE PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G21810109</cusip>
         <value>1033</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61611</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>61332</Sole>
             <Shared>279</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>704326107</cusip>
         <value>805</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5905</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3562</Sole>
             <Shared>2343</Shared>
             <None>0</None>
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         <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>747525103</cusip>
         <value>9708</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63527</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>60432</Sole>
             <Shared>3095</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ASSURED GUARANTY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G0585R106</cusip>
         <value>286</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4500</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>RPM INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>749685103</cusip>
         <value>345</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4238</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4238</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>RAYONIER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>754907103</cusip>
         <value>276</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6706</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1318</Sole>
             <Shared>5388</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>RED RIVER BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75686R202</cusip>
         <value>349</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6600</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6600</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>734</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1099</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>717</Sole>
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             <None>288</None>
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     <infoTable>
         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>1975</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16497</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>15912</Sole>
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             <None>86</None>
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     <infoTable>
         <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>773903109</cusip>
         <value>331</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1180</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>1016</Sole>
             <Shared>164</Shared>
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     <infoTable>
         <nameOfIssuer>SHELL PLC</nameOfIssuer>
         <titleOfClass>SPON ADS</titleOfClass>
         <cusip>780259305</cusip>
         <value>899</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>16118</Sole>
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         <nameOfIssuer>SL GREEN RLTY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78440X887</cusip>
         <value>216</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>1515</Sole>
             <Shared>1151</Shared>
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     <infoTable>
         <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
         <titleOfClass>TR UNIT</titleOfClass>
         <cusip>78462F103</cusip>
         <value>23048</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>990</None>
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         <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
         <titleOfClass>SHS - A -</titleOfClass>
         <cusip>N53745100</cusip>
         <value>545</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Shared>335</Shared>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
         <cusip>78464A763</cusip>
         <value>645</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLI S&amp;P1500</titleOfClass>
         <cusip>78464A805</cusip>
         <value>450</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>SALISBURY BANCORP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>795226109</cusip>
         <value>425</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>0</None>
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         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>1226</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>24509</Sole>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>1272</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>12095</Sole>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>375</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2363</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>2052</Sole>
             <Shared>311</Shared>
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     <infoTable>
         <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>1099</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8114</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <Shared>4400</Shared>
             <None>214</None>
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     <infoTable>
         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>364</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>681</Sole>
             <Shared>1094</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SONY GROUP CORPORATION</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>835699307</cusip>
         <value>347</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>STERICYCLE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>858912108</cusip>
         <value>296</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5020</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>5020</Sole>
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     <infoTable>
         <nameOfIssuer>HEICO CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>422806208</cusip>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>46429B655</cusip>
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         <cusip>46429B689</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>744573106</cusip>
         <value>358</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
         <value>4842</value>
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         <nameOfIssuer>J P MORGAN EXCHANGE-TRADED F</nameOfIssuer>
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         <cusip>46641Q332</cusip>
         <value>479</value>
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         <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75886F107</cusip>
         <value>2831</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>351</value>
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         <nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
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         <cusip>512807108</cusip>
         <value>276</value>
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         <nameOfIssuer>LENNAR CORP</nameOfIssuer>
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         <cusip>526057104</cusip>
         <value>720</value>
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             <sshPrnamt>8869</sshPrnamt>
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         <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>539830109</cusip>
         <value>1940</value>
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             <sshPrnamt>4396</sshPrnamt>
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         <nameOfIssuer>LORDSTOWN MOTORS CORP</nameOfIssuer>
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         <cusip>54405Q100</cusip>
         <value>51</value>
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             <sshPrnamt>15000</sshPrnamt>
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         <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>58155Q103</cusip>
         <value>368</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1200</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>58933Y105</cusip>
         <value>10395</value>
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         <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
         <cusip>78467Y107</cusip>
         <value>2431</value>
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         <value>221</value>
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         <cusip>808524847</cusip>
         <value>578</value>
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         <cusip>808524870</cusip>
         <value>485</value>
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     <infoTable>
         <nameOfIssuer>MOODYS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>615369105</cusip>
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         <cusip>617446448</cusip>
         <value>2167</value>
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         <cusip>63845R107</cusip>
         <value>2664</value>
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         <nameOfIssuer>NOVO-NORDISK A S</nameOfIssuer>
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         <cusip>670100205</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>679580100</cusip>
         <value>1392</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>682680103</cusip>
         <value>702</value>
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         <cusip>693718108</cusip>
         <value>690</value>
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         <cusip>848637104</cusip>
         <value>280</value>
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         <cusip>858119100</cusip>
         <value>2995</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
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         <cusip>72201R775</cusip>
         <value>1457</value>
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         <cusip>72201R833</cusip>
         <value>330</value>
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         <nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
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         <cusip>723787107</cusip>
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         <cusip>882508104</cusip>
         <value>3232</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>89531P105</cusip>
         <value>541</value>
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         <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89832Q109</cusip>
         <value>6400</value>
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         <nameOfIssuer>RELIANCE STEEL &amp; ALUMINUM CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>759509102</cusip>
         <value>829</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>78463V107</cusip>
         <value>536</value>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
         <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
         <cusip>921943858</cusip>
         <value>8272</value>
         <shrsOrPrnAmt>
             <sshPrnamt>172226</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>162150</Sole>
             <Shared>10076</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>278</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2975</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2975</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>5314</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30203</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>19717</Sole>
             <Shared>10460</Shared>
             <None>26</None>
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     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>3489</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16254</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10890</Sole>
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             <None>5364</None>
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     <infoTable>
         <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929160109</cusip>
         <value>2369</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12898</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6990</Sole>
             <Shared>48</Shared>
             <None>5860</None>
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     <infoTable>
         <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92939U106</cusip>
         <value>716</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7179</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1079</Sole>
             <Shared>6100</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>4570</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54214</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>53069</Sole>
             <Shared>1145</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>385</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2079</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1879</Sole>
             <Shared>200</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>754</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19687</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>19687</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
         <value>445</value>
         <shrsOrPrnAmt>
             <sshPrnamt>659</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>657</Sole>
             <Shared>2</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>284</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2165</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1904</Sole>
             <Shared>231</Shared>
             <None>30</None>
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     <infoTable>
         <nameOfIssuer>SOLAREDGE TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83417M104</cusip>
         <value>2510</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7786</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7746</Sole>
             <Shared>40</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPROUT SOCIAL INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>85209W109</cusip>
         <value>244</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3054</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3054</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>BLOCK INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>852234103</cusip>
         <value>429</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3158</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2158</Sole>
             <Shared>1000</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>WASTE CONNECTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106B101</cusip>
         <value>2967</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21238</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5096</Sole>
             <Shared>0</Shared>
             <None>16142</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TARGET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612E106</cusip>
         <value>2094</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9866</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4555</Sole>
             <Shared>2211</Shared>
             <None>3100</None>
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     <infoTable>
         <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98956P102</cusip>
         <value>1743</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13628</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>13622</Sole>
             <Shared>6</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>3M CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88579Y101</cusip>
         <value>4354</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29244</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>20249</Sole>
             <Shared>5142</Shared>
             <None>3853</None>
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     <infoTable>
         <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>89151E109</cusip>
         <value>252</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4978</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3884</Sole>
             <Shared>16</Shared>
             <None>1078</None>
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     <infoTable>
         <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89417E109</cusip>
         <value>1133</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6196</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5471</Sole>
             <Shared>725</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>902973304</cusip>
         <value>5194</value>
         <shrsOrPrnAmt>
             <sshPrnamt>97715</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>87375</Sole>
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             <None>5425</None>
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     <infoTable>
         <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>911312106</cusip>
         <value>6061</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28261</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>17400</Sole>
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             <None>4488</None>
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     <infoTable>
         <nameOfIssuer>AERCAP HOLDINGS NV</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N00985106</cusip>
         <value>459</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9138</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>9138</Sole>
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     <infoTable>
         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>638</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3449</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>V F CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>918204108</cusip>
         <value>1920</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>HIGH YLD MUNIETF</titleOfClass>
         <cusip>92189H409</cusip>
         <value>736</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12825</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>500 VAL IDX FD</titleOfClass>
         <cusip>921932703</cusip>
         <value>1445</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>ALLWRLD EX US</titleOfClass>
         <cusip>922042775</cusip>
         <value>849</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14749</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
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             <sshPrnamt>72849</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>9931</value>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
         <cusip>92206C771</cusip>
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             <sshPrnamt>33957</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>3749</value>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>2095</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8808</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>6332</value>
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     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>5785</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         </votingAuthority>
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         <cusip>060505104</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>1614</value>
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         <cusip>81369Y209</cusip>
         <value>471</value>
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         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <cusip>G25839104</cusip>
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         <nameOfIssuer>PEBBLEBROOK HOTEL TR</nameOfIssuer>
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         <value>238</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>754730109</cusip>
         <value>378</value>
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         <nameOfIssuer>REPAY HLDGS CORP</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>76029L100</cusip>
         <value>304</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20569</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <None>0</None>
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         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>1051</value>
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             <sshPrnamt>13239</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>11969</Sole>
             <Shared>1270</Shared>
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         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>414</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2731</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>2066</Sole>
             <Shared>665</Shared>
             <None>0</None>
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         <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>2915</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13730</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
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         <nameOfIssuer>SONY GROUP CORPORATION</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>835699307</cusip>
         <value>1396</value>
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             <sshPrnamt>13598</sshPrnamt>
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         <nameOfIssuer>THE TRADE DESK INC</nameOfIssuer>
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         <cusip>88339J105</cusip>
         <value>1414</value>
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             <sshPrnamt>20422</sshPrnamt>
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         <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
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         <cusip>89151E109</cusip>
         <value>581</value>
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         <otherManager>6</otherManager>
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         <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
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         <cusip>892356106</cusip>
         <value>255</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>NV5 GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>62945V109</cusip>
         <value>297</value>
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             <sshPrnamt>2228</sshPrnamt>
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             <Sole>2228</Sole>
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         <nameOfIssuer>NASDAQ INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>631103108</cusip>
         <value>1109</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>6223</Sole>
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         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>904767704</cusip>
         <value>677</value>
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         <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91324P102</cusip>
         <value>1061</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>SHORT TRM BOND</titleOfClass>
         <cusip>921937827</cusip>
         <value>913</value>
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         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>1643</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14630</sshPrnamt>
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         <otherManager>6</otherManager>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>263</value>
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             <sshPrnamt>1060</sshPrnamt>
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         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>4514</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>949746101</cusip>
         <value>723</value>
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         <nameOfIssuer>WEYERHAEUSER CO MTN BE</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>962166104</cusip>
         <value>948</value>
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             <sshPrnamt>25015</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>1429</value>
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             <sshPrnamt>4238</sshPrnamt>
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         <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>46120E602</cusip>
         <value>304</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G5494J103</cusip>
         <value>1148</value>
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         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>2043</value>
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         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>1822</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>SELECT DIVID ETF</titleOfClass>
         <cusip>464287168</cusip>
         <value>761</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MSCI EAFE ETF</titleOfClass>
         <cusip>464287465</cusip>
         <value>22623</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>RUS MID CAP ETF</titleOfClass>
         <cusip>464287499</cusip>
         <value>3296</value>
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         <nameOfIssuer>ORACLE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68389X105</cusip>
         <value>1906</value>
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         <nameOfIssuer>PARSONS CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70202L102</cusip>
         <value>282</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
         <cusip>464288646</cusip>
         <value>450</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
         <value>4743</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>SPS COMM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78463M107</cusip>
         <value>276</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>1448</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>500</value>
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         <nameOfIssuer>MOOG INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>615394202</cusip>
         <value>239</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>2646</Sole>
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         <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
         <value>4863</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17822</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>16548</Sole>
             <Shared>1274</Shared>
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         <nameOfIssuer>SHYFT GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825698103</cusip>
         <value>293</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8111</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>8111</Sole>
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         <nameOfIssuer>STAG INDL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>85254J102</cusip>
         <value>310</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7488</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
         <value>2127</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23387</sshPrnamt>
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         <otherManager>6</otherManager>
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         <nameOfIssuer>TELEDYNE TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>879360105</cusip>
         <value>323</value>
         <shrsOrPrnAmt>
             <sshPrnamt>683</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>662</Sole>
             <Shared>21</Shared>
             <None>0</None>
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         <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70450Y103</cusip>
         <value>2045</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17680</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>17680</Sole>
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             <None>0</None>
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         <nameOfIssuer>PEPSICO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>713448108</cusip>
         <value>3717</value>
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             <sshPrnamt>22209</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>20590</Sole>
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         <nameOfIssuer>TIMKEN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>887389104</cusip>
         <value>263</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>4199</Sole>
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         <nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90384S303</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>3384</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>78410G104</cusip>
         <value>712</value>
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         <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
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         <cusip>78462F103</cusip>
         <value>1788</value>
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             <sshPrnamt>3958</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>2758</Sole>
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         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
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         <cusip>92206C409</cusip>
         <value>380</value>
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             <sshPrnamt>4865</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>4865</Sole>
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             <None>0</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
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         <cusip>922908512</cusip>
         <value>381</value>
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             <sshPrnamt>2543</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>2491</Sole>
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             <None>52</None>
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     <infoTable>
         <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78467J100</cusip>
         <value>916</value>
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             <sshPrnamt>12209</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>12209</Sole>
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             <None>0</None>
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         <nameOfIssuer>SABRE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78573M104</cusip>
         <value>322</value>
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             <sshPrnamt>28183</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>SOUTHSTATE CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>293</value>
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             <sshPrnamt>3587</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>WASTE CONNECTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106B101</cusip>
         <value>1191</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8523</sshPrnamt>
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             <Sole>8523</Sole>
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         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
         <value>1902</value>
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             <sshPrnamt>7113</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>883556102</cusip>
         <value>2417</value>
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             <sshPrnamt>4093</sshPrnamt>
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         <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89832Q109</cusip>
         <value>1410</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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         <cusip>921937819</cusip>
         <value>355</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>4330</Sole>
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         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
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         <cusip>922042858</cusip>
         <value>16420</value>
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             <sshPrnamt>355943</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>269</value>
         <shrsOrPrnAmt>
             <sshPrnamt>935</sshPrnamt>
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         <nameOfIssuer>ZYNGA INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>98986T108</cusip>
         <value>847</value>
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         <cusip>G5960L103</cusip>
         <value>1320</value>
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         <cusip>G6095L109</cusip>
         <value>220</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>00287Y109</cusip>
         <value>28</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>002824100</cusip>
         <value>565</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ALTRA INDL MOTION CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>02208R106</cusip>
         <value>0</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>007973100</cusip>
         <value>22</value>
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             <sshPrnamt>252</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>AFLAC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>001055102</cusip>
         <value>90</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
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         <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00206R102</cusip>
         <value>10</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>AMC ENTMT HLDGS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>00165C104</cusip>
         <value>2</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ASGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00191U102</cusip>
         <value>1</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <cusip>02079K107</cusip>
         <value>78</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>031162100</cusip>
         <value>42094</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>AIR PRODS &amp; CHEMS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>009158106</cusip>
         <value>342</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1369</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <None>0</None>
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     <infoTable>
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         <cusip>02079K305</cusip>
         <value>89</value>
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             <sshPrnamt>32</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>32</Sole>
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     <infoTable>
         <nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>025537101</cusip>
         <value>111</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1114</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <Sole>1114</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>AMERESCO INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>02361E108</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <Sole>12</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>AUTODESK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>052769106</cusip>
         <value>46</value>
         <shrsOrPrnAmt>
             <sshPrnamt>215</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>FMC CORP</nameOfIssuer>
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         <nameOfIssuer>EBAY INC.</nameOfIssuer>
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         <cusip>45378A106</cusip>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
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         <cusip>81369Y308</cusip>
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             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>11</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>37</value>
         <shrsOrPrnAmt>
             <sshPrnamt>732</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>732</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MGP INGREDIENTS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>55303J106</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>10</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MACOM TECH SOLUTIONS HLDGS I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>55405Y100</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>11</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>139008</value>
         <shrsOrPrnAmt>
             <sshPrnamt>626814</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>599837</Sole>
             <Shared>0</Shared>
             <None>26977</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PATRICK INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>703343103</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>8</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>704326107</cusip>
         <value>196</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1433</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1433</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
         <titleOfClass>ITL HDG QTLY DIV</titleOfClass>
         <cusip>97717X594</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>4</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>58933Y105</cusip>
         <value>145592</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1774430</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1696120</Sole>
             <Shared>0</Shared>
             <None>78310</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PEPSICO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>713448108</cusip>
         <value>171597</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1025196</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>977924</Sole>
             <Shared>0</Shared>
             <None>47272</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PLYMOUTH INDL REIT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>729640102</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>14</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74251V102</cusip>
         <value>51</value>
         <shrsOrPrnAmt>
             <sshPrnamt>690</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>690</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>METLIFE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>59156R108</cusip>
         <value>26</value>
         <shrsOrPrnAmt>
             <sshPrnamt>368</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>368</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>595017104</cusip>
         <value>45</value>
         <shrsOrPrnAmt>
             <sshPrnamt>600</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>600</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
         <value>114</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1150</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>777</Sole>
             <Shared>0</Shared>
             <None>373</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>760759100</cusip>
         <value>98</value>
         <shrsOrPrnAmt>
             <sshPrnamt>743</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>743</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RESMED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>761152107</cusip>
         <value>24</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>NEXSTAR MEDIA GROUP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>65336K103</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>4</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>655844108</cusip>
         <value>408</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1432</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1092</Sole>
             <Shared>0</Shared>
             <None>340</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>66987V109</cusip>
         <value>25</value>
         <shrsOrPrnAmt>
             <sshPrnamt>280</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>280</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVASIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670704105</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>9</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>478160104</cusip>
         <value>140846</value>
         <shrsOrPrnAmt>
             <sshPrnamt>794706</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>759777</Sole>
             <Shared>0</Shared>
             <None>34929</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
         <value>9633</value>
         <shrsOrPrnAmt>
             <sshPrnamt>105363</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>103903</Sole>
             <Shared>0</Shared>
             <None>1460</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>76</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>76</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>47</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTRM TRM TRES</titleOfClass>
         <cusip>808524854</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>92</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>92</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>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>69</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>69</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>701094104</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>85</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PFIZER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>717081103</cusip>
         <value>142761</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2757618</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>2635839</Sole>
             <Shared>0</Shared>
             <None>121779</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>718546104</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>58</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>58</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHYFT GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825698103</cusip>
         <value>1</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>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>10545</value>
         <shrsOrPrnAmt>
             <sshPrnamt>119623</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>113945</Sole>
             <Shared>0</Shared>
             <None>5678</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>42992</value>
         <shrsOrPrnAmt>
             <sshPrnamt>270511</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>257356</Sole>
             <Shared>0</Shared>
             <None>13155</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>2677</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38925</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>36758</Sole>
             <Shared>0</Shared>
             <None>2167</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>842587107</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>23</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPROUT SOCIAL INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>85209W109</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>6</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LABORATORY CORP AMER HLDGS</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>50540R409</cusip>
         <value>42578</value>
         <shrsOrPrnAmt>
             <sshPrnamt>161489</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>152756</Sole>
             <Shared>0</Shared>
             <None>8733</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TORONTO DOMINION BK ONT</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>891160509</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>299</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>299</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TECHTARGET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87874R100</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>5</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MARSH &amp; MCLENNAN COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>571748102</cusip>
         <value>173581</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1018549</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>975372</Sole>
             <Shared>0</Shared>
             <None>43177</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>57636Q104</cusip>
         <value>37</value>
         <shrsOrPrnAmt>
             <sshPrnamt>103</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>103</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MATCH GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>57667L107</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>116</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>116</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MATERION CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>576690101</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>10</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>911312106</cusip>
         <value>108</value>
         <shrsOrPrnAmt>
             <sshPrnamt>502</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>502</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>V F CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>918204108</cusip>
         <value>28</value>
         <shrsOrPrnAmt>
             <sshPrnamt>494</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>494</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VALVOLINE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92047W101</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>17</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>594918104</cusip>
         <value>213387</value>
         <shrsOrPrnAmt>
             <sshPrnamt>692117</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>660715</Sole>
             <Shared>0</Shared>
             <None>31402</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>27</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>7</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>23</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WSFS FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929328102</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>13</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>40434L105</cusip>
         <value>59</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1627</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1627</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>2057</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9033</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>4381</Sole>
             <Shared>0</Shared>
             <None>4652</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NETFLIX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>64110L106</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>50</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUCOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670346105</cusip>
         <value>192</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1290</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1290</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92939U106</cusip>
         <value>98</value>
         <shrsOrPrnAmt>
             <sshPrnamt>985</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>985</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WINTRUST FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>97650W108</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>10</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PALOMAR HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69753M105</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>9</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>POLARIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>731068102</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>28</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HELEN OF TROY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G4388N106</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>3</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>747525103</cusip>
         <value>43</value>
         <shrsOrPrnAmt>
             <sshPrnamt>284</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>284</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G02602103</cusip>
         <value>31193</value>
         <shrsOrPrnAmt>
             <sshPrnamt>379431</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>361621</Sole>
             <Shared>0</Shared>
             <None>17810</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>33</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>78410G104</cusip>
         <value>31</value>
         <shrsOrPrnAmt>
             <sshPrnamt>90</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>90</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>41175</value>
         <shrsOrPrnAmt>
             <sshPrnamt>227929</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>211131</Sole>
             <Shared>0</Shared>
             <None>16798</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>DJ REIT ETF</titleOfClass>
         <cusip>78464A607</cusip>
         <value>644</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5489</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>2645</Sole>
             <Shared>0</Shared>
             <None>2844</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>9704</value>
         <shrsOrPrnAmt>
             <sshPrnamt>205030</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>190224</Sole>
             <Shared>0</Shared>
             <None>14806</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806407102</cusip>
         <value>35158</value>
         <shrsOrPrnAmt>
             <sshPrnamt>403238</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>383325</Sole>
             <Shared>0</Shared>
             <None>19913</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>13182</value>
         <shrsOrPrnAmt>
             <sshPrnamt>71252</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>66481</Sole>
             <Shared>0</Shared>
             <None>4771</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>13962</value>
         <shrsOrPrnAmt>
             <sshPrnamt>364359</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>343181</Sole>
             <Shared>0</Shared>
             <None>21178</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITIME CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982T106</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>3</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>20883</value>
         <shrsOrPrnAmt>
             <sshPrnamt>101631</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>96424</Sole>
             <Shared>0</Shared>
             <None>5207</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STAAR SURGICAL CO</nameOfIssuer>
         <titleOfClass>COM PAR $0.01</titleOfClass>
         <cusip>852312305</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>7</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HERSHEY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>427866108</cusip>
         <value>49267</value>
         <shrsOrPrnAmt>
             <sshPrnamt>227423</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>216186</Sole>
             <Shared>0</Shared>
             <None>11237</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HORMEL FOODS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>440452100</cusip>
         <value>45159</value>
         <shrsOrPrnAmt>
             <sshPrnamt>876183</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>831017</Sole>
             <Shared>0</Shared>
             <None>45166</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SYSCO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871829107</cusip>
         <value>123</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1503</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>503</Sole>
             <Shared>0</Shared>
             <None>1000</None>
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         <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>882508104</cusip>
         <value>77</value>
         <shrsOrPrnAmt>
             <sshPrnamt>420</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>420</Sole>
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             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>UFP INDUSTRIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90278Q108</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>11</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>UNITED CMNTY BKS BLAIRSVLE G</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90984P303</cusip>
         <value>1</value>
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             <sshPrnamt>24</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <Sole>24</Sole>
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             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>119</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1279</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <Sole>0</Sole>
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             <None>1279</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>18</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VERITEX HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>923451108</cusip>
         <value>1</value>
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             <sshPrnamt>24</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>24</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
         <titleOfClass>PERP PFD CNV A</titleOfClass>
         <cusip>949746804</cusip>
         <value>21</value>
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             <sshPrnamt>16</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>16</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WELLTOWER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>95040Q104</cusip>
         <value>128</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1333</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <Sole>1333</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INSIGHT ENTERPRISES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45765U103</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <Sole>7</Sole>
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             <None>0</None>
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         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>127170</value>
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             <sshPrnamt>1146193</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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             <None>49000</None>
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         <nameOfIssuer>NOVO-NORDISK A S</nameOfIssuer>
         <titleOfClass>ADR</titleOfClass>
         <cusip>670100205</cusip>
         <value>37</value>
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             <sshPrnamt>335</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>335</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBOXX INV CP ETF</titleOfClass>
         <cusip>464287242</cusip>
         <value>35887</value>
         <shrsOrPrnAmt>
             <sshPrnamt>296730</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>16368</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
         <cusip>464287309</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>79</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>79</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
         <cusip>464287408</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>42</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>RUSSELL 3000 ETF</titleOfClass>
         <cusip>464287689</cusip>
         <value>342</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1305</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1305</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBOXX HI YD ETF</titleOfClass>
         <cusip>464288513</cusip>
         <value>27956</value>
         <shrsOrPrnAmt>
             <sshPrnamt>339722</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>317396</Sole>
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             <None>22326</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>USD INV GRDE ETF</titleOfClass>
         <cusip>464288620</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>125</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>10-20 YR TRS ETF</titleOfClass>
         <cusip>464288653</cusip>
         <value>9170</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68125</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
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             <None>919</None>
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     <infoTable>
         <nameOfIssuer>ISHARES INC</nameOfIssuer>
         <titleOfClass>CORE MSCI EMKT</titleOfClass>
         <cusip>46434G103</cusip>
         <value>3</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>46</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>494368103</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
             <sshPrnamt>110</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>502431109</cusip>
         <value>283</value>
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             <sshPrnamt>1140</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>LAMB WESTON HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>513272104</cusip>
         <value>30</value>
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             <sshPrnamt>500</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>500</None>
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     <infoTable>
         <nameOfIssuer>MADDEN STEVEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>556269108</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <Sole>18</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>23</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>50</Sole>
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     <infoTable>
         <nameOfIssuer>MAGNOLIA OIL &amp; GAS CORP</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>559663109</cusip>
         <value>1</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>META FINL GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>59100U108</cusip>
         <value>1</value>
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             <sshPrnamt>14</sshPrnamt>
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             <Sole>14</Sole>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>13525</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>8864</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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             <None>5405</None>
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         <nameOfIssuer>MONARCH CASINO &amp; RESORT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>609027107</cusip>
         <value>0</value>
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             <None>0</None>
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         <nameOfIssuer>NMI HLDGS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>629209305</cusip>
         <value>0</value>
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             <sshPrnamt>21</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OMNICELL COM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68213N109</cusip>
         <value>1</value>
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             <sshPrnamt>5</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>ORACLE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68389X105</cusip>
         <value>43912</value>
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             <sshPrnamt>530780</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>26107</None>
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         <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>180314</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>59191</None>
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     <infoTable>
         <nameOfIssuer>SUNSTONE HOTEL INVS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>867892101</cusip>
         <value>1</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>56</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871607107</cusip>
         <value>23</value>
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             <sshPrnamt>68</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PAGERDUTY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69553P100</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PAPA JOHNS INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>698813102</cusip>
         <value>1</value>
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             <sshPrnamt>6</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>3M CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88579Y101</cusip>
         <value>110394</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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