<SEC-DOCUMENT>0000720672-22-000012.txt : 20221114
<SEC-HEADER>0000720672-22-000012.hdr.sgml : 20221114
<ACCEPTANCE-DATETIME>20221114131230
ACCESSION NUMBER:		0000720672-22-000012
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20220930
FILED AS OF DATE:		20221114
DATE AS OF CHANGE:		20221114
EFFECTIVENESS DATE:		20221114

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:		221383170

	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>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
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      <periodOfReport>09-30-2022</periodOfReport>
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      <filingManager>
        <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>
        </address>
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      <reportType>13F HOLDINGS REPORT</reportType>
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      <provideInfoForInstruction5>N</provideInfoForInstruction5>
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    <signatureBlock>
      <name>James M. Zemlyak</name>
      <title>President</title>
      <phone>314 342-2000</phone>
      <signature>/s/ James M. Zemlyak</signature>
      <city>St. Louis</city>
      <stateOrCountry>MO</stateOrCountry>
      <signatureDate>11-14-2022</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>7</otherIncludedManagersCount>
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      <isConfidentialOmitted>false</isConfidentialOmitted>
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          <sequenceNumber>6</sequenceNumber>
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            <cik>0001592412</cik>
            <form13FFileNumber>028-16086</form13FFileNumber>
            <name>Stifel Trust Co Delaware, N.A.</name>
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            <form13FFileNumber>028-19513</form13FFileNumber>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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             <None>8025</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>047649108</cusip>
         <value>3</value>
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             <None>36</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>12</value>
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             <None>319</None>
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         <nameOfIssuer>BOK FINL CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>05561Q201</cusip>
         <value>9</value>
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         <titleOfClass>SPON ADR REP A</titleOfClass>
         <cusip>056752108</cusip>
         <value>16</value>
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         <titleOfClass>SPON ADR NEW</titleOfClass>
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         <value>123</value>
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             <None>726</None>
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         <nameOfIssuer>ENSIGN GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29358P101</cusip>
         <value>43</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>539</None>
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         <nameOfIssuer>EQUIFAX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>294429105</cusip>
         <value>4</value>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1163</None>
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         <nameOfIssuer>HOSTESS BRANDS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>44109J106</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>233</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>233</None>
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         <nameOfIssuer>HUMANA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>444859102</cusip>
         <value>66</value>
         <shrsOrPrnAmt>
             <sshPrnamt>135</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>135</None>
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         <nameOfIssuer>HYATT HOTELS CORP</nameOfIssuer>
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         <cusip>448579102</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>60</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>TIPS BD ETF</titleOfClass>
         <cusip>464287176</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>52</None>
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         <nameOfIssuer>KYNDRYL HLDGS INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>50155Q100</cusip>
         <value>3</value>
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             <sshPrnamt>321</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>321</None>
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         <nameOfIssuer>LPL FINL HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>50212V100</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>33</None>
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         <nameOfIssuer>LABORATORY CORP AMER HLDGS</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>50540R409</cusip>
         <value>28</value>
         <shrsOrPrnAmt>
             <sshPrnamt>138</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>138</None>
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         <nameOfIssuer>LEIDOS HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>525327102</cusip>
         <value>32</value>
         <shrsOrPrnAmt>
             <sshPrnamt>365</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>365</None>
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         <nameOfIssuer>INCYTE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45337C102</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>68</None>
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         <nameOfIssuer>LIVE NATION ENTERTAINMENT IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>538034109</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>35</None>
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         <nameOfIssuer>LLOYDS BANKING GROUP PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>539439109</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5613</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>5613</None>
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         <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>539830109</cusip>
         <value>290</value>
         <shrsOrPrnAmt>
             <sshPrnamt>751</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>751</None>
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         <nameOfIssuer>M &amp; T BK CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>55261F104</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>54</None>
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         <nameOfIssuer>MGM RESORTS INTERNATIONAL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>552953101</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>141</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>141</None>
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         <nameOfIssuer>MKS INSTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>55306N104</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>85</None>
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         <nameOfIssuer>MARKEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>570535104</cusip>
         <value>30</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>28</None>
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         <nameOfIssuer>MARSH &amp; MCLENNAN COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>571748102</cusip>
         <value>68</value>
         <shrsOrPrnAmt>
             <sshPrnamt>459</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>459</None>
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         <nameOfIssuer>MARRIOTT INTL INC NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>571903202</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>138</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>138</None>
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         <nameOfIssuer>MASIMO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>574795100</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
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             <None>49</None>
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         <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>57636Q104</cusip>
         <value>148</value>
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             <sshPrnamt>520</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
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             <None>520</None>
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         <nameOfIssuer>MATADOR RES CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>576485205</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>110</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>110</None>
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         <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>580135101</cusip>
         <value>166</value>
         <shrsOrPrnAmt>
             <sshPrnamt>721</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <None>721</None>
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         <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>58933Y105</cusip>
         <value>408</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4742</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>4742</None>
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         <nameOfIssuer>METLIFE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>59156R108</cusip>
         <value>159</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2604</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>2604</None>
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         <nameOfIssuer>METTLER TOLEDO INTERNATIONAL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>592688105</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>2</None>
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         <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>594918104</cusip>
         <value>1049</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4505</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>4505</None>
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         <nameOfIssuer>JUNIPER NETWORKS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>48203R104</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>492</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
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             <None>492</None>
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         <nameOfIssuer>KADANT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>48282T104</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
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             <None>33</None>
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         <nameOfIssuer>MOTOROLA SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>620076307</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>86</None>
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         <nameOfIssuer>NV5 GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>62945V109</cusip>
         <value>48</value>
         <shrsOrPrnAmt>
             <sshPrnamt>389</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>389</None>
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     <infoTable>
         <nameOfIssuer>KEURIG DR PEPPER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>49271V100</cusip>
         <value>812</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22662</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Shared>0</Shared>
             <None>22662</None>
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         <nameOfIssuer>KEYCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>493267108</cusip>
         <value>32</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1973</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1973</None>
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     <infoTable>
         <nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>494368103</cusip>
         <value>37</value>
         <shrsOrPrnAmt>
             <sshPrnamt>337</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>337</None>
         </votingAuthority>
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         <nameOfIssuer>KIRBY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>497266106</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>106</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>106</None>
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         <nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>500754106</cusip>
         <value>69</value>
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             <sshPrnamt>2070</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Shared>0</Shared>
             <None>2070</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>1 3 YR TREAS BD</titleOfClass>
         <cusip>464287457</cusip>
         <value>166</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2052</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>2052</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
         <cusip>464287655</cusip>
         <value>330</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
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             <None>2000</None>
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         <nameOfIssuer>NAVIENT CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>63938C108</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>176</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>176</None>
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     <infoTable>
         <nameOfIssuer>NEXSTAR MEDIA GROUP INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>65336K103</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>33</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NORTHWEST BANCSHARES INC MD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>667340103</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>964</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>964</None>
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     <infoTable>
         <nameOfIssuer>LKQ CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <votingAuthority>
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             <Shared>0</Shared>
             <None>438</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
         <value>64</value>
         <shrsOrPrnAmt>
             <sshPrnamt>317</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>317</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>88160R101</cusip>
         <value>280</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1056</sshPrnamt>
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         <votingAuthority>
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             <Shared>0</Shared>
             <None>1056</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>882508104</cusip>
         <value>217</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1409</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <Shared>0</Shared>
             <None>1409</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>88546E105</cusip>
         <value>2</value>
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             <sshPrnamt>169</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Shared>0</Shared>
             <None>169</None>
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         <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>874054109</cusip>
         <value>11</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Shared>0</Shared>
             <None>101</None>
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         <cusip>874060205</cusip>
         <value>15</value>
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             <None>1184</None>
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         <value>9</value>
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         <votingAuthority>
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             <None>142</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>5</value>
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             <None>30</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>7</value>
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         <votingAuthority>
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             <None>39</None>
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         <value>8</value>
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             <None>52</None>
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         <value>8</value>
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             <None>131</None>
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             <None>99</None>
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             <None>219</None>
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             <None>445</None>
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         <value>18</value>
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             <None>430</None>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>499</None>
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         <value>73</value>
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             <None>5759</None>
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         <value>101</value>
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             <None>777</None>
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             <None>1906</None>
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         <value>28</value>
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             <None>168</None>
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             <None>148</None>
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         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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             <None>158</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
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         <value>32</value>
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             <None>13</None>
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         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>111</value>
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             <None>518</None>
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         <titleOfClass>VALUE ETF</titleOfClass>
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         <value>70</value>
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             <None>149</None>
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         <nameOfIssuer>WESTERN DIGITAL CORP.</nameOfIssuer>
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         <cusip>958102105</cusip>
         <value>5</value>
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             <None>1330</None>
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         <titleOfClass>COM</titleOfClass>
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             <None>3362</None>
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         <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>101</value>
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             <None>631</None>
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         <titleOfClass>COM</titleOfClass>
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             <None>989</None>
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         <cusip>98139A105</cusip>
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             <None>682</None>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>ELANCO ANIMAL HEALTH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <None>514</None>
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         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
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             <None>276</None>
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             <None>144</None>
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             <None>146</None>
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         <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
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         <cusip>G66721104</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
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             <None>511</None>
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         <titleOfClass>SHS</titleOfClass>
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         <cusip>H50430232</cusip>
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         <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
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         <cusip>H84989104</cusip>
         <value>3</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <value>14</value>
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             <None>501</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>29250N105</cusip>
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             <None>952</None>
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             <None>2194</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>48</value>
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             <None>5656</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>3</value>
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             <None>32</None>
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         <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>053015103</cusip>
         <value>89</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>393</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>05351W103</cusip>
         <value>4</value>
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             <sshPrnamt>90</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>90</None>
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         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>113</sshPrnamt>
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             <None>113</None>
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         <nameOfIssuer>ERICSSON</nameOfIssuer>
         <titleOfClass>ADR B SEK 10</titleOfClass>
         <cusip>294821608</cusip>
         <value>12</value>
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             <None>2120</None>
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         <nameOfIssuer>ESSEX PPTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>297178105</cusip>
         <value>4</value>
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             <None>17</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>30161N101</cusip>
         <value>27</value>
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             <None>723</None>
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         <titleOfClass>COM NEW</titleOfClass>
         <cusip>30212P303</cusip>
         <value>5</value>
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             <sshPrnamt>54</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>54</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>008492100</cusip>
         <value>5</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>72</None>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>00912X302</cusip>
         <value>2</value>
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             <sshPrnamt>80</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>80</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>7</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>055622104</cusip>
         <value>55</value>
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             <None>1915</None>
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         <nameOfIssuer>BALL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>058498106</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>55</None>
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         <nameOfIssuer>BANK HAWAII CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>062540109</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>157</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>157</None>
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         <nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>064058100</cusip>
         <value>21</value>
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             <sshPrnamt>540</sshPrnamt>
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             <None>135</None>
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         <value>8</value>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>318</None>
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             <None>2426</None>
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             <None>1227</None>
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         <cusip>96145D105</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>4</value>
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         <cusip>695156109</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>709789101</cusip>
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             <None>412</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>729640102</cusip>
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         <titleOfClass>COM</titleOfClass>
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             <None>186</None>
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         <cusip>74251V102</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>PRESTIGE CONSMR HEALTHCARE I</nameOfIssuer>
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         <nameOfIssuer>FEDERATED HERMES PREM MUNI I</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
         <cusip>31846B108</cusip>
         <value>175</value>
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         <cusip>336920103</cusip>
         <value>2566</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>FIRST TR INTER DURATN PFD &amp;</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33718W103</cusip>
         <value>1361</value>
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         <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256677105</cusip>
         <value>96323</value>
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             <sshPrnamt>401534</sshPrnamt>
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         <nameOfIssuer>DONNELLEY FINL SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25787G100</cusip>
         <value>529</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>258278100</cusip>
         <value>1093</value>
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             <sshPrnamt>13315</sshPrnamt>
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         <nameOfIssuer>DOUBLELINE INCOME SOLUTIONS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>258622109</cusip>
         <value>4234</value>
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         <nameOfIssuer>DOUBLELINE OPPORTUNISTIC CR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>258623107</cusip>
         <value>168</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>260557103</cusip>
         <value>51643</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>26884L109</cusip>
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         <cusip>26884U307</cusip>
         <value>382</value>
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         <nameOfIssuer>EAGLE BANCORP INC MD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>268948106</cusip>
         <value>274</value>
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         <nameOfIssuer>FIRST TR SR FLTG RATE INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33733U108</cusip>
         <value>1236</value>
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         <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
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         <cusip>33734H106</cusip>
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         <cusip>33734K109</cusip>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>TECH ALPHADEX</titleOfClass>
         <cusip>33734X176</cusip>
         <value>10692</value>
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         <cusip>33736G106</cusip>
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         <cusip>33737J158</cusip>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
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         <cusip>33738D309</cusip>
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         <cusip>33738D408</cusip>
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         <cusip>33738R605</cusip>
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         <cusip>33741X102</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>30034W106</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>41653L602</cusip>
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             <Sole>50053</Sole>
             <Shared>0</Shared>
             <None>620</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>HILLMAN SOLUTIONS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>431636109</cusip>
         <value>1398</value>
         <shrsOrPrnAmt>
             <sshPrnamt>185426</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>181350</Sole>
             <Shared>0</Shared>
             <None>4076</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ CLN EDGE</titleOfClass>
         <cusip>33737A108</cusip>
         <value>5848</value>
         <shrsOrPrnAmt>
             <sshPrnamt>77677</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>77259</Sole>
             <Shared>0</Shared>
             <None>418</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EM SML CP ALPH</titleOfClass>
         <cusip>33737J307</cusip>
         <value>735</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23055</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>22984</Sole>
             <Shared>0</Shared>
             <None>71</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDXX NEXTG ETF</titleOfClass>
         <cusip>33737K205</cusip>
         <value>6958</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124964</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>124475</Sole>
             <Shared>0</Shared>
             <None>489</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>SML CP GRW ALP</titleOfClass>
         <cusip>33737M300</cusip>
         <value>860</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15957</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15877</Sole>
             <Shared>0</Shared>
             <None>80</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>MULTI ASSET DI</titleOfClass>
         <cusip>33738R100</cusip>
         <value>735</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50880</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>43880</Sole>
             <Shared>0</Shared>
             <None>7000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>S&amp;P INTL DIVID</titleOfClass>
         <cusip>33738R688</cusip>
         <value>795</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57865</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>55444</Sole>
             <Shared>0</Shared>
             <None>2421</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>RBA INDL ETF</titleOfClass>
         <cusip>33738R704</cusip>
         <value>681</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17819</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17376</Sole>
             <Shared>0</Shared>
             <None>443</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DORSEYWRGT ETF</titleOfClass>
         <cusip>33738R712</cusip>
         <value>4143</value>
         <shrsOrPrnAmt>
             <sshPrnamt>172286</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>172048</Sole>
             <Shared>0</Shared>
             <None>238</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>PFD SECS INC ETF</titleOfClass>
         <cusip>33739E108</cusip>
         <value>43234</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2588836</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2562649</Sole>
             <Shared>0</Shared>
             <None>26187</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>LNG/SHT EQUITY</titleOfClass>
         <cusip>33739P103</cusip>
         <value>704</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15029</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>14279</Sole>
             <Shared>0</Shared>
             <None>750</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>TCW OPPORTUNIS</titleOfClass>
         <cusip>33740F805</cusip>
         <value>8851</value>
         <shrsOrPrnAmt>
             <sshPrnamt>203269</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>193902</Sole>
             <Shared>0</Shared>
             <None>9367</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR HIGH YIELD OPPRT 20</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33741Q107</cusip>
         <value>290</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21529</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21529</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HOME BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>436893200</cusip>
         <value>1704</value>
         <shrsOrPrnAmt>
             <sshPrnamt>75702</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>69730</Sole>
             <Shared>0</Shared>
             <None>5972</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HOMESTREET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>43785V102</cusip>
         <value>520</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18062</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>18062</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HOSTESS BRANDS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>44109J106</cusip>
         <value>945</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40681</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>40660</Sole>
             <Shared>0</Shared>
             <None>21</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HYDROFARM HLDGS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>44888K209</cusip>
         <value>198</value>
         <shrsOrPrnAmt>
             <sshPrnamt>102153</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>102153</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>IRHYTHM TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>450056106</cusip>
         <value>1815</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14485</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>14296</Sole>
             <Shared>0</Shared>
             <None>189</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTCASH HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33768G107</cusip>
         <value>216</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2941</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2941</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVE POINT HOLDINGS LLC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>33833Q106</cusip>
         <value>32</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>IBOXX 5YR TRGT</titleOfClass>
         <cusip>33939L605</cusip>
         <value>505</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21583</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20897</Sole>
             <Shared>0</Shared>
             <None>686</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>GLB QLT R/E IDX</titleOfClass>
         <cusip>33939L787</cusip>
         <value>439</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8761</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8643</Sole>
             <Shared>0</Shared>
             <None>118</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959J108</cusip>
         <value>1664</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28549</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>27554</Sole>
             <Shared>0</Shared>
             <None>995</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRANCO NEV CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>351858105</cusip>
         <value>3765</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31515</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>30457</Sole>
             <Shared>0</Shared>
             <None>1058</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CONSUMR STAPLE</titleOfClass>
         <cusip>33734X119</cusip>
         <value>7888</value>
         <shrsOrPrnAmt>
             <sshPrnamt>138707</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>132725</Sole>
             <Shared>0</Shared>
             <None>5982</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>DEV MRK EX US</titleOfClass>
         <cusip>33737J174</cusip>
         <value>2437</value>
         <shrsOrPrnAmt>
             <sshPrnamt>58194</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>56737</Sole>
             <Shared>0</Shared>
             <None>1457</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>SWITZLND ALPHA</titleOfClass>
         <cusip>33737J232</cusip>
         <value>507</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10969</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10801</Sole>
             <Shared>0</Shared>
             <None>168</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CAP VAL FD</titleOfClass>
         <cusip>33737M201</cusip>
         <value>803</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21032</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21032</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>BUYWRIT INCM ETF</titleOfClass>
         <cusip>33738R308</cusip>
         <value>734</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39745</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>38835</Sole>
             <Shared>0</Shared>
             <None>910</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DORSEY WRIGHT</titleOfClass>
         <cusip>33738R878</cusip>
         <value>260</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7778</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7778</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>SHRT DUR MNG MUN</titleOfClass>
         <cusip>33739P830</cusip>
         <value>674</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34569</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>31130</Sole>
             <Shared>0</Shared>
             <None>3439</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>INSTL PFD SECS</titleOfClass>
         <cusip>33739P855</cusip>
         <value>1912</value>
         <shrsOrPrnAmt>
             <sshPrnamt>111476</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>110251</Sole>
             <Shared>0</Shared>
             <None>1225</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR DYNAMIC EUROPE EQUI</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33740D107</cusip>
         <value>384</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40246</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>38246</Sole>
             <Shared>0</Shared>
             <None>2000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>16466</value>
         <shrsOrPrnAmt>
             <sshPrnamt>175971</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>171392</Sole>
             <Shared>0</Shared>
             <None>4579</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337932107</cusip>
         <value>5060</value>
         <shrsOrPrnAmt>
             <sshPrnamt>136757</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>128773</Sole>
             <Shared>0</Shared>
             <None>7984</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVE9 INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338307101</cusip>
         <value>1182</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15767</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15474</Sole>
             <Shared>0</Shared>
             <None>293</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>339041105</cusip>
         <value>600</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3405</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3381</Sole>
             <Shared>0</Shared>
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             <Shared>0</Shared>
             <None>12097</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>LAKELAND BANCORP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>511637100</cusip>
         <value>898</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56069</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>54069</Sole>
             <Shared>0</Shared>
             <None>2000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LAMB WESTON HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>513272104</cusip>
         <value>4470</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57767</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>56119</Sole>
             <Shared>0</Shared>
             <None>1648</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LANCASTER COLONY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>513847103</cusip>
         <value>4935</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32841</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>31768</Sole>
             <Shared>0</Shared>
             <None>1073</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LANDSTAR SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>515098101</cusip>
         <value>12393</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85841</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>80639</Sole>
             <Shared>0</Shared>
             <None>5202</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LXP INDUSTRIAL TRUST</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>529043101</cusip>
         <value>119</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13029</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13029</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LIBERTY BROADBAND CORP</nameOfIssuer>
         <titleOfClass>COM SER C</titleOfClass>
         <cusip>530307305</cusip>
         <value>4908</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66510</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>65819</Sole>
             <Shared>0</Shared>
             <None>691</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LIFE STORAGE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>53223X107</cusip>
         <value>6060</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54719</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>46026</Sole>
             <Shared>0</Shared>
             <None>8693</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ACI WORLDWIDE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>004498101</cusip>
         <value>857</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40992</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>40640</Sole>
             <Shared>0</Shared>
             <None>352</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ADVANSIX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00773T101</cusip>
         <value>310</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9647</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9308</Sole>
             <Shared>0</Shared>
             <None>339</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AFFILIATED MANAGERS GROUP IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>008252108</cusip>
         <value>1683</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15046</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>14653</Sole>
             <Shared>0</Shared>
             <None>393</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AGNICO EAGLE MINES LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>008474108</cusip>
         <value>3706</value>
         <shrsOrPrnAmt>
             <sshPrnamt>87768</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>85118</Sole>
             <Shared>0</Shared>
             <None>2650</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN INTER DURATION MUN TE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670671106</cusip>
         <value>705</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57007</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>55407</Sole>
             <Shared>0</Shared>
             <None>1600</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN INT DUR QUAL MUN TRM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670677103</cusip>
         <value>801</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67037</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>63037</Sole>
             <Shared>0</Shared>
             <None>4000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME SECS FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072C105</cusip>
         <value>392</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59657</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>54031</Sole>
             <Shared>0</Shared>
             <None>5626</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN FLOATING RATE INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072T108</cusip>
         <value>95</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11775</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11642</Sole>
             <Shared>0</Shared>
             <None>133</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME OPPORTUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67073B106</cusip>
         <value>1541</value>
         <shrsOrPrnAmt>
             <sshPrnamt>221713</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>191213</Sole>
             <Shared>0</Shared>
             <None>30500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME TERM FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67075A106</cusip>
         <value>5180</value>
         <shrsOrPrnAmt>
             <sshPrnamt>281204</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>275404</Sole>
             <Shared>0</Shared>
             <None>5800</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PREFERRED AND INCOME</nameOfIssuer>
         <titleOfClass>COM SHS BEN INT</titleOfClass>
         <cusip>67075T105</cusip>
         <value>381</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20736</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20602</Sole>
             <Shared>0</Shared>
             <None>134</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN EMERGING MKTS DEBT 20</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67077P101</cusip>
         <value>137</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21338</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21338</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG MIDCP</titleOfClass>
         <cusip>67092P409</cusip>
         <value>273</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8291</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7339</Sole>
             <Shared>0</Shared>
             <None>952</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>O-I GLASS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67098H104</cusip>
         <value>3412</value>
         <shrsOrPrnAmt>
             <sshPrnamt>263454</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>60832</Sole>
             <Shared>0</Shared>
             <None>202622</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OFS CAP CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103B100</cusip>
         <value>100</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12130</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12130</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LISTED FD TR</nameOfIssuer>
         <titleOfClass>SWAN HEDGED EQTY</titleOfClass>
         <cusip>53656F599</cusip>
         <value>442</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26302</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>24977</Sole>
             <Shared>0</Shared>
             <None>1325</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LIVE OAK BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>53803X105</cusip>
         <value>973</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31789</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>31654</Sole>
             <Shared>0</Shared>
             <None>135</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LIVENT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>53814L108</cusip>
         <value>1060</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34576</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>34576</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LIVERAMP HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>53815P108</cusip>
         <value>846</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46572</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>46572</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LYFT INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>55087P104</cusip>
         <value>1215</value>
         <shrsOrPrnAmt>
             <sshPrnamt>92285</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>91514</Sole>
             <Shared>0</Shared>
             <None>771</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MGIC INVT CORP WIS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>552848103</cusip>
         <value>197</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15361</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15252</Sole>
             <Shared>0</Shared>
             <None>109</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OATLY GROUP AB</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>67421J108</cusip>
         <value>53</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20306</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20006</Sole>
             <Shared>0</Shared>
             <None>300</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>*W EXP 08/03/202</titleOfClass>
         <cusip>674599162</cusip>
         <value>1602</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40427</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>38079</Sole>
             <Shared>0</Shared>
             <None>2348</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ONTO INNOVATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>683344105</cusip>
         <value>741</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11575</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11563</Sole>
             <Shared>0</Shared>
             <None>12</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OPPFI INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>68386H103</cusip>
         <value>25</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11025</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11025</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OPTIMIZERX CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>68401U204</cusip>
         <value>152</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10275</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10157</Sole>
             <Shared>0</Shared>
             <None>118</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PDC ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69327R101</cusip>
         <value>2788</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48241</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>46671</Sole>
             <Shared>0</Shared>
             <None>1570</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PGIM ETF TR</nameOfIssuer>
         <titleOfClass>PGIM ULTRA SH BD</titleOfClass>
         <cusip>69344A107</cusip>
         <value>28121</value>
         <shrsOrPrnAmt>
             <sshPrnamt>572964</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>558232</Sole>
             <Shared>0</Shared>
             <None>14732</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>SP SMCP600VL ETF</titleOfClass>
         <cusip>464287879</cusip>
         <value>26395</value>
         <shrsOrPrnAmt>
             <sshPrnamt>320128</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>312375</Sole>
             <Shared>0</Shared>
             <None>7753</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>S&amp;P SML 600 GWT</titleOfClass>
         <cusip>464287887</cusip>
         <value>14477</value>
         <shrsOrPrnAmt>
             <sshPrnamt>142379</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>136557</Sole>
             <Shared>0</Shared>
             <None>5822</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MRGSTR MD CP ETF</titleOfClass>
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             <None>625</None>
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         <nameOfIssuer>NUVEEN MULTI ASSET INCOME FU</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670750108</cusip>
         <value>371</value>
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         <cusip>67079F101</cusip>
         <value>422</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>68376D104</cusip>
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         <cusip>684060106</cusip>
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         <cusip>192422103</cusip>
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         <cusip>92206C706</cusip>
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         <titleOfClass>COM</titleOfClass>
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             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21783</Sole>
             <Shared>0</Shared>
             <None>1101</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DHT HOLDINGS INC</nameOfIssuer>
         <titleOfClass>SHS NEW</titleOfClass>
         <cusip>Y2065G121</cusip>
         <value>83</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11018</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11018</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAFE BULKERS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>Y7388L103</cusip>
         <value>41</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16609</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16609</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
         <cusip>78464A839</cusip>
         <value>23772</value>
         <shrsOrPrnAmt>
             <sshPrnamt>411141</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>400073</Sole>
             <Shared>0</Shared>
             <None>11068</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P HOMEBUILD</titleOfClass>
         <cusip>78464A888</cusip>
         <value>1470</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26880</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>24371</Sole>
             <Shared>0</Shared>
             <None>2509</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>SPDR TR TACTIC</titleOfClass>
         <cusip>78467V848</cusip>
         <value>708</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17613</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17411</Sole>
             <Shared>0</Shared>
             <None>202</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
         <cusip>78467Y107</cusip>
         <value>17245</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42935</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>42031</Sole>
             <Shared>0</Shared>
             <None>904</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG INVT</titleOfClass>
         <cusip>78468R200</cusip>
         <value>207</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6836</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6836</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
         <cusip>78468R408</cusip>
         <value>3768</value>
         <shrsOrPrnAmt>
             <sshPrnamt>158439</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>157996</Sole>
             <Shared>0</Shared>
             <None>443</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANDSTORM GOLD LTD</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>80013R206</cusip>
         <value>2155</value>
         <shrsOrPrnAmt>
             <sshPrnamt>416887</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>411553</Sole>
             <Shared>0</Shared>
             <None>5334</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANMINA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>801056102</cusip>
         <value>1935</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41995</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>41995</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RBC BEARINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75524B104</cusip>
         <value>11139</value>
         <shrsOrPrnAmt>
             <sshPrnamt>53602</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>51282</Sole>
             <Shared>0</Shared>
             <None>2320</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REEDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>758338107</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15926</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15926</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>759351604</cusip>
         <value>1575</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12516</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12465</Sole>
             <Shared>0</Shared>
             <None>51</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RELX PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>759530108</cusip>
         <value>2946</value>
         <shrsOrPrnAmt>
             <sshPrnamt>121204</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>118977</Sole>
             <Shared>0</Shared>
             <None>2227</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RENAISSANCE CAP GREENWICH FD</nameOfIssuer>
         <titleOfClass>IPO ETF</titleOfClass>
         <cusip>759937204</cusip>
         <value>794</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27956</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>27647</Sole>
             <Shared>0</Shared>
             <None>309</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RETAIL OPPORTUNITY INVTS COR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>76131N101</cusip>
         <value>1156</value>
         <shrsOrPrnAmt>
             <sshPrnamt>84031</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>76481</Sole>
             <Shared>0</Shared>
             <None>7550</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REVANCE THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>761330109</cusip>
         <value>559</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20702</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20611</Sole>
             <Shared>0</Shared>
             <None>91</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REXFORD INDL RLTY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>76169C100</cusip>
         <value>2701</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51948</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>51283</Sole>
             <Shared>0</Shared>
             <None>665</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAUL CTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>804395101</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>34</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LCAP GR ETF</titleOfClass>
         <cusip>808524300</cusip>
         <value>1255</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22484</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21620</Sole>
             <Shared>0</Shared>
             <None>864</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>2602</value>
         <shrsOrPrnAmt>
             <sshPrnamt>92491</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>89799</Sole>
             <Shared>0</Shared>
             <None>2692</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US TIPS ETF</titleOfClass>
         <cusip>808524870</cusip>
         <value>11038</value>
         <shrsOrPrnAmt>
             <sshPrnamt>213090</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>210780</Sole>
             <Shared>0</Shared>
             <None>2310</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81181C104</cusip>
         <value>3531</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25803</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>25406</Sole>
             <Shared>0</Shared>
             <None>397</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>37762</value>
         <shrsOrPrnAmt>
             <sshPrnamt>265042</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>257957</Sole>
             <Shared>0</Shared>
             <None>7085</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>767204100</cusip>
         <value>7026</value>
         <shrsOrPrnAmt>
             <sshPrnamt>127609</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>118354</Sole>
             <Shared>0</Shared>
             <None>9255</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RIOT BLOCKCHAIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>767292105</cusip>
         <value>2090</value>
         <shrsOrPrnAmt>
             <sshPrnamt>298213</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>298200</Sole>
             <Shared>0</Shared>
             <None>13</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RIVERNORTH DOUBLELINE STRATE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>76882G107</cusip>
         <value>161</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17537</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17437</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROCKET PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>77313F106</cusip>
         <value>223</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13961</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13961</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>778296103</cusip>
         <value>8932</value>
         <shrsOrPrnAmt>
             <sshPrnamt>105979</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>102974</Sole>
             <Shared>0</Shared>
             <None>3005</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RYAN SPECIALTY HOLDINGS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>78351F107</cusip>
         <value>5171</value>
         <shrsOrPrnAmt>
             <sshPrnamt>127300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>125018</Sole>
             <Shared>0</Shared>
             <None>2282</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>68714</value>
         <shrsOrPrnAmt>
             <sshPrnamt>954054</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>904029</Sole>
             <Shared>0</Shared>
             <None>50025</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>44985</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1481664</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1438309</Sole>
             <Shared>0</Shared>
             <None>43355</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>24572</value>
         <shrsOrPrnAmt>
             <sshPrnamt>296614</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>278265</Sole>
             <Shared>0</Shared>
             <None>18349</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>817565104</cusip>
         <value>859</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14880</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>14129</Sole>
             <Shared>0</Shared>
             <None>751</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>63291</value>
         <shrsOrPrnAmt>
             <sshPrnamt>167610</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>160182</Sole>
             <Shared>0</Shared>
             <None>7428</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHIFT4 PMTS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82452J109</cusip>
         <value>200</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4475</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4475</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
         <value>4722</value>
         <shrsOrPrnAmt>
             <sshPrnamt>175284</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>169993</Sole>
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         <titleOfClass>COM</titleOfClass>
         <cusip>09627Y109</cusip>
         <value>65</value>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ 100 EX</titleOfClass>
         <cusip>33733E401</cusip>
         <value>695</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9945</sshPrnamt>
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         <otherManager>1</otherManager>
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             <None>68</None>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAS CLNEDG GREEN</titleOfClass>
         <cusip>33733E500</cusip>
         <value>6029</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>FIRST TR NASDAQ 100 TECH IND</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337345102</cusip>
         <value>3729</value>
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             <sshPrnamt>35556</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>3165</None>
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         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CLOUD COMPUTING</titleOfClass>
         <cusip>33734X192</cusip>
         <value>6958</value>
         <shrsOrPrnAmt>
             <sshPrnamt>115165</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>1</otherManager>
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             <None>8887</None>
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         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INTL EQUITY OPP</titleOfClass>
         <cusip>33734X853</cusip>
         <value>998</value>
         <shrsOrPrnAmt>
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         <otherManager>1</otherManager>
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         <cusip>33735K108</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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         <cusip>33737J117</cusip>
         <value>624</value>
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             <sshPrnamt>23644</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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             <None>97</None>
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         <titleOfClass>SML CAP VAL ALPH</titleOfClass>
         <cusip>33737M409</cusip>
         <value>1477</value>
         <shrsOrPrnAmt>
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         <otherManager>1</otherManager>
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             <None>142</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASD TECH DIV</titleOfClass>
         <cusip>33738R118</cusip>
         <value>5192</value>
         <shrsOrPrnAmt>
             <sshPrnamt>118807</sshPrnamt>
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         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>5367</None>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ FOD BVRG</titleOfClass>
         <cusip>33738R852</cusip>
         <value>2335</value>
         <shrsOrPrnAmt>
             <sshPrnamt>94005</sshPrnamt>
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         <titleOfClass>NASDAQ BK ETF</titleOfClass>
         <cusip>33738R860</cusip>
         <value>1153</value>
         <shrsOrPrnAmt>
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         <titleOfClass>MANAGD MUN ETF</titleOfClass>
         <cusip>33739N108</cusip>
         <value>7968</value>
         <shrsOrPrnAmt>
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         <titleOfClass>MUNI HI INCM ETF</titleOfClass>
         <cusip>33739P301</cusip>
         <value>419</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9220</sshPrnamt>
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         <titleOfClass>MORNSTAR UPSTR</titleOfClass>
         <cusip>33939L407</cusip>
         <value>1210</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32194</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>962</None>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>IBOXX 3R TARGT</titleOfClass>
         <cusip>33939L506</cusip>
         <value>2808</value>
         <shrsOrPrnAmt>
             <sshPrnamt>120095</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>710</None>
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         <nameOfIssuer>FOCUS FINL PARTNERS INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>34417P100</cusip>
         <value>147</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>229</None>
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         <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>345370860</cusip>
         <value>44800</value>
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             <None>96646</None>
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         <nameOfIssuer>FORTRESS TRANS INFRST INVS L</nameOfIssuer>
         <titleOfClass>CL A COM SHS</titleOfClass>
         <cusip>34960P101</cusip>
         <value>346</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>35086T109</cusip>
         <value>382</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>16</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>35180X105</cusip>
         <value>235</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>049904105</cusip>
         <value>1688</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2987</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>243</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>05329W102</cusip>
         <value>1418</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>053332102</cusip>
         <value>4592</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>05368V106</cusip>
         <value>1094</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>192</None>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>05478C105</cusip>
         <value>448</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>1867</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>056525108</cusip>
         <value>1368</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>FTSE UNTD KGDM</titleOfClass>
         <cusip>35473P678</cusip>
         <value>875</value>
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         <cusip>35473P835</cusip>
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         <cusip>35953C106</cusip>
         <value>53</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>10922N103</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>116794108</cusip>
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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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             <None>0</None>
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         <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
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         <value>4137</value>
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             <sshPrnamt>145045</sshPrnamt>
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         <otherManager>1</otherManager>
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             <Sole>144497</Sole>
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     <infoTable>
         <nameOfIssuer>EASTERLY GOVT PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27616P103</cusip>
         <value>140</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8875</sshPrnamt>
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         <otherManager>1</otherManager>
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             <Sole>8652</Sole>
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     <infoTable>
         <nameOfIssuer>EASTERN BANKSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27627N105</cusip>
         <value>418</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21291</sshPrnamt>
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             <Sole>21008</Sole>
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             <None>283</None>
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     <infoTable>
         <nameOfIssuer>EATON VANCE TAX-ADVANTAGED G</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27828U106</cusip>
         <value>791</value>
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             <sshPrnamt>39084</sshPrnamt>
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             <Sole>39084</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>EATON VANCE FLOATING RATE 20</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27831H100</cusip>
         <value>294</value>
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             <sshPrnamt>34140</sshPrnamt>
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             <Sole>34140</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>EBAY INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>278642103</cusip>
         <value>15213</value>
         <shrsOrPrnAmt>
             <sshPrnamt>413270</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>ECOPETROL S A</nameOfIssuer>
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         <value>185</value>
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             <sshPrnamt>20698</sshPrnamt>
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         <nameOfIssuer>ELECTRONIC ARTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>285512109</cusip>
         <value>8533</value>
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             <sshPrnamt>73724</sshPrnamt>
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             <Sole>71187</Sole>
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             <None>2537</None>
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         <nameOfIssuer>ENERSYS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29275Y102</cusip>
         <value>215</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3696</sshPrnamt>
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             <Sole>3696</Sole>
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         <nameOfIssuer>ENOVIX CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>293594107</cusip>
         <value>1902</value>
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             <sshPrnamt>103710</sshPrnamt>
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         <votingAuthority>
             <Sole>100220</Sole>
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             <None>3490</None>
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         <nameOfIssuer>ENSYSCE BIOSCIENCES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>293602108</cusip>
         <value>47</value>
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             <sshPrnamt>216642</sshPrnamt>
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             <Sole>216642</Sole>
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         <nameOfIssuer>EPAM SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29414B104</cusip>
         <value>8509</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23492</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>23283</Sole>
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             <None>209</None>
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     <infoTable>
         <nameOfIssuer>EQUITY RESIDENTIAL</nameOfIssuer>
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         <cusip>29476L107</cusip>
         <value>2117</value>
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             <sshPrnamt>31500</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>31261</Sole>
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             <None>239</None>
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     <infoTable>
         <nameOfIssuer>EURONET WORLDWIDE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>298736109</cusip>
         <value>473</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6242</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>6226</Sole>
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             <None>16</None>
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     <infoTable>
         <nameOfIssuer>EVERCORE INC</nameOfIssuer>
         <titleOfClass>CLASS A</titleOfClass>
         <cusip>29977A105</cusip>
         <value>2073</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>23989</Sole>
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             <None>1214</None>
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     <infoTable>
         <nameOfIssuer>EXLSERVICE HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>302081104</cusip>
         <value>4470</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30337</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>30154</Sole>
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             <None>183</None>
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     <infoTable>
         <nameOfIssuer>EXTREME NETWORKS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30226D106</cusip>
         <value>1871</value>
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             <sshPrnamt>143184</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>142028</Sole>
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             <None>1156</None>
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     <infoTable>
         <nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>303250104</cusip>
         <value>8346</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20257</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>19952</Sole>
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             <None>305</None>
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     <infoTable>
         <nameOfIssuer>FARMLAND PARTNERS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31154R109</cusip>
         <value>451</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35604</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>5024</None>
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     <infoTable>
         <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
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         <cusip>316092709</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
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             <Sole>100</Sole>
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             <None>100</None>
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     <infoTable>
         <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31620M106</cusip>
         <value>21972</value>
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             <sshPrnamt>290742</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>282770</Sole>
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             <None>7972</None>
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     <infoTable>
         <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>316773100</cusip>
         <value>27099</value>
         <shrsOrPrnAmt>
             <sshPrnamt>847892</sshPrnamt>
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         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>817226</Sole>
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             <None>30666</None>
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     <infoTable>
         <nameOfIssuer>FIRST CTZNS BANCSHARES INC N</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>31946M103</cusip>
         <value>3702</value>
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             <sshPrnamt>4643</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4593</Sole>
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             <None>50</None>
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     <infoTable>
         <nameOfIssuer>FIRST CMNTY CORP S C</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>319835104</cusip>
         <value>552</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31552</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>31552</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST CMNTY BANKSHARES INC V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31983A103</cusip>
         <value>252</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7870</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7870</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST FNDTN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32026V104</cusip>
         <value>922</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50842</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>50842</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DJ INTERNT IDX</titleOfClass>
         <cusip>33733E302</cusip>
         <value>25069</value>
         <shrsOrPrnAmt>
             <sshPrnamt>198615</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>188177</Sole>
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             <None>10438</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR MULTI CAP GROWTH AL</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33733F101</cusip>
         <value>549</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6130</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6055</Sole>
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             <None>75</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>UTILITIES ALPH</titleOfClass>
         <cusip>33734X184</cusip>
         <value>1678</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54923</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>54536</Sole>
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             <None>387</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR LRG CP VL ALPHADEX</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735J101</cusip>
         <value>3541</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61393</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>59799</Sole>
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             <None>1594</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR FTSE EPRA / NAREIT</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33736N101</cusip>
         <value>433</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11751</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11587</Sole>
             <Shared>0</Shared>
             <None>164</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EMERG MKT ALPH</titleOfClass>
         <cusip>33737J182</cusip>
         <value>1101</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59534</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>59343</Sole>
             <Shared>0</Shared>
             <None>191</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR ENERGY INFRASTRCTR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738C103</cusip>
         <value>269</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20216</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20216</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR HIGH INCOME LONG /</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738E109</cusip>
         <value>675</value>
         <shrsOrPrnAmt>
             <sshPrnamt>62247</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>61822</Sole>
             <Shared>0</Shared>
             <None>425</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
         <cusip>33738R506</cusip>
         <value>43795</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1126417</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1075524</Sole>
             <Shared>0</Shared>
             <None>50893</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ ARTFCIAL</titleOfClass>
         <cusip>33738R720</cusip>
         <value>507</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15049</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>14792</Sole>
             <Shared>0</Shared>
             <None>257</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MLP &amp; ENERGY INCOM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33739B104</cusip>
         <value>226</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31640</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>31640</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
         <titleOfClass>FST TR GLB FD</titleOfClass>
         <cusip>33739H101</cusip>
         <value>48234</value>
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         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
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         <cusip>922908652</cusip>
         <value>2132</value>
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         <cusip>922908736</cusip>
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         <value>2133</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37817</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>32250</Sole>
             <Shared>0</Shared>
             <None>5567</None>
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     <infoTable>
         <nameOfIssuer>ROLLINS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>775711104</cusip>
         <value>16013</value>
         <shrsOrPrnAmt>
             <sshPrnamt>461712</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>455912</Sole>
             <Shared>0</Shared>
             <None>5800</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHELL PLC</nameOfIssuer>
         <titleOfClass>SPON ADS</titleOfClass>
         <cusip>780259305</cusip>
         <value>33114</value>
         <shrsOrPrnAmt>
             <sshPrnamt>665471</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>649163</Sole>
             <Shared>0</Shared>
             <None>16308</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
         <value>54959</value>
         <shrsOrPrnAmt>
             <sshPrnamt>179972</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>174790</Sole>
             <Shared>0</Shared>
             <None>5182</None>
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     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>GLB NAT RESRCE</titleOfClass>
         <cusip>78463X541</cusip>
         <value>5000</value>
         <shrsOrPrnAmt>
             <sshPrnamt>101085</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>100715</Sole>
             <Shared>0</Shared>
             <None>370</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLOOMBERG</titleOfClass>
         <cusip>78464A284</cusip>
         <value>5515</value>
         <shrsOrPrnAmt>
             <sshPrnamt>115091</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>114640</Sole>
             <Shared>0</Shared>
             <None>451</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
         <cusip>78464A409</cusip>
         <value>41499</value>
         <shrsOrPrnAmt>
             <sshPrnamt>828310</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>803389</Sole>
             <Shared>0</Shared>
             <None>24921</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG INTL T</titleOfClass>
         <cusip>78464A516</cusip>
         <value>1398</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67112</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>65108</Sole>
             <Shared>0</Shared>
             <None>2004</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P RETAIL ETF</titleOfClass>
         <cusip>78464A714</cusip>
         <value>399</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7062</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7011</Sole>
             <Shared>0</Shared>
             <None>51</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P SEMICNDCTR</titleOfClass>
         <cusip>78464A862</cusip>
         <value>3144</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20665</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>65</None>
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     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>INCOM ALLO ETF</titleOfClass>
         <cusip>78467V202</cusip>
         <value>1447</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51256</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>51256</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>
         <cusip>78468R788</cusip>
         <value>7064</value>
         <shrsOrPrnAmt>
             <sshPrnamt>199162</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>192243</Sole>
             <Shared>0</Shared>
             <None>6919</None>
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     <infoTable>
         <nameOfIssuer>SAIA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78709Y105</cusip>
         <value>852</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4485</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4345</Sole>
             <Shared>0</Shared>
             <None>140</None>
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     <infoTable>
         <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806407102</cusip>
         <value>29458</value>
         <shrsOrPrnAmt>
             <sshPrnamt>447890</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>425574</Sole>
             <Shared>0</Shared>
             <None>22316</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTERNL DIVID</titleOfClass>
         <cusip>808524672</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>793</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>793</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81211K100</cusip>
         <value>2005</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45035</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>44571</Sole>
             <Shared>0</Shared>
             <None>464</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SEAWORLD ENTMT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81282V100</cusip>
         <value>1234</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27104</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>26331</Sole>
             <Shared>0</Shared>
             <None>773</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>74435</value>
         <shrsOrPrnAmt>
             <sshPrnamt>626657</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>602283</Sole>
             <Shared>0</Shared>
             <None>24374</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>23310</value>
         <shrsOrPrnAmt>
             <sshPrnamt>486732</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>475827</Sole>
             <Shared>0</Shared>
             <None>10905</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>32192</value>
         <shrsOrPrnAmt>
             <sshPrnamt>214684</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>199102</Sole>
             <Shared>0</Shared>
             <None>15582</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>81730H109</cusip>
         <value>9080</value>
         <shrsOrPrnAmt>
             <sshPrnamt>355247</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>1569</None>
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     <infoTable>
         <nameOfIssuer>SIBANYE STILLWATER LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>82575P107</cusip>
         <value>483</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51805</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>51805</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>SIENTRA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82621J105</cusip>
         <value>798</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1247500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1209500</Sole>
             <Shared>0</Shared>
             <None>38000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SILICON LABORATORIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>826919102</cusip>
         <value>1053</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8530</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8400</Sole>
             <Shared>0</Shared>
             <None>130</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>SITIO ROYALTIES CORP</nameOfIssuer>
         <titleOfClass>CLASS A COM</titleOfClass>
         <cusip>82982V101</cusip>
         <value>1588</value>
         <shrsOrPrnAmt>
             <sshPrnamt>71817</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>68717</Sole>
             <Shared>0</Shared>
             <None>3100</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>SKILLZ INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83067L109</cusip>
         <value>115</value>
         <shrsOrPrnAmt>
             <sshPrnamt>112640</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>112640</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SLEEP NUMBER CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83125X103</cusip>
         <value>818</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24197</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>24172</Sole>
             <Shared>0</Shared>
             <None>25</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMITH A O CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>831865209</cusip>
         <value>3806</value>
         <shrsOrPrnAmt>
             <sshPrnamt>78351</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>76482</Sole>
             <Shared>0</Shared>
             <None>1869</None>
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     <infoTable>
         <nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>833445109</cusip>
         <value>11577</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68116</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>67330</Sole>
             <Shared>0</Shared>
             <None>786</None>
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     <infoTable>
         <nameOfIssuer>SOCIEDAD QUIMICA Y MINERA DE</nameOfIssuer>
         <titleOfClass>SPON ADR SER B</titleOfClass>
         <cusip>833635105</cusip>
         <value>2603</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28687</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>27767</Sole>
             <Shared>0</Shared>
             <None>920</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHSTATE CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>840441109</cusip>
         <value>1263</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15964</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15166</Sole>
             <Shared>0</Shared>
             <None>798</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPROUTS FMRS MKT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>85208M102</cusip>
         <value>318</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11475</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9975</Sole>
             <Shared>0</Shared>
             <None>1500</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>STEELCASE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>858155203</cusip>
         <value>387</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59288</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>24292</Sole>
             <Shared>0</Shared>
             <None>34996</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>STMICROELECTRONICS N V</nameOfIssuer>
         <titleOfClass>NY REGISTRY</titleOfClass>
         <cusip>861012102</cusip>
         <value>1079</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34866</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>34432</Sole>
             <Shared>0</Shared>
             <None>434</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SUMITOMO MITSUI FINL GROUP I</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>86562M209</cusip>
         <value>1895</value>
         <shrsOrPrnAmt>
             <sshPrnamt>344465</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>342133</Sole>
             <Shared>0</Shared>
             <None>2332</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SUMMIT MATLS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>86614U100</cusip>
         <value>717</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29921</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>29921</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SUN LIFE FINANCIAL INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>866796105</cusip>
         <value>859</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21613</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21248</Sole>
             <Shared>0</Shared>
             <None>365</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SURFACE ONCOLOGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>86877M209</cusip>
         <value>448</value>
         <shrsOrPrnAmt>
             <sshPrnamt>430365</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <cusip>92189F882</cusip>
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         <value>662</value>
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         <cusip>931427108</cusip>
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         <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106L109</cusip>
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         <value>4763</value>
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         <cusip>94987D101</cusip>
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         <cusip>95058W100</cusip>
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         <cusip>95766R104</cusip>
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         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>82070</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32054K103</cusip>
         <value>2492</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55622</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>52471</Sole>
             <Shared>0</Shared>
             <None>3151</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST MAJESTIC SILVER CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32076V103</cusip>
         <value>137</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18030</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>18030</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NY ARCA BIOTECH</titleOfClass>
         <cusip>33733E203</cusip>
         <value>4998</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37871</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>36293</Sole>
             <Shared>0</Shared>
             <None>1578</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAT GAS ETF</titleOfClass>
         <cusip>33733E807</cusip>
         <value>1992</value>
         <shrsOrPrnAmt>
             <sshPrnamt>87202</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>82060</Sole>
             <Shared>0</Shared>
             <None>5142</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>LUNT US FACTOR</titleOfClass>
         <cusip>33733E872</cusip>
         <value>453</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17313</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17313</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337344105</cusip>
         <value>12333</value>
         <shrsOrPrnAmt>
             <sshPrnamt>147362</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>146938</Sole>
             <Shared>0</Shared>
             <None>424</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CONSUMR DISCRE</titleOfClass>
         <cusip>33734X101</cusip>
         <value>2622</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60945</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>59936</Sole>
             <Shared>0</Shared>
             <None>1009</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>FINLS ALPHADEX</titleOfClass>
         <cusip>33734X135</cusip>
         <value>9621</value>
         <shrsOrPrnAmt>
             <sshPrnamt>261374</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>256471</Sole>
             <Shared>0</Shared>
             <None>4903</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>HLTH CARE ALPH</titleOfClass>
         <cusip>33734X143</cusip>
         <value>12172</value>
         <shrsOrPrnAmt>
             <sshPrnamt>125188</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>119161</Sole>
             <Shared>0</Shared>
             <None>6027</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDLS PROD DUR</titleOfClass>
         <cusip>33734X150</cusip>
         <value>6104</value>
         <shrsOrPrnAmt>
             <sshPrnamt>132833</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>123530</Sole>
             <Shared>0</Shared>
             <None>9303</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>MATERIALS ALPH</titleOfClass>
         <cusip>33734X168</cusip>
         <value>9379</value>
         <shrsOrPrnAmt>
             <sshPrnamt>180811</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>172435</Sole>
             <Shared>0</Shared>
             <None>8376</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>DJ GLBL DIVID</titleOfClass>
         <cusip>33734X200</cusip>
         <value>1285</value>
         <shrsOrPrnAmt>
             <sshPrnamt>69331</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>67416</Sole>
             <Shared>0</Shared>
             <None>1915</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDXX NAT RE ETF</titleOfClass>
         <cusip>33734X838</cusip>
         <value>1949</value>
         <shrsOrPrnAmt>
             <sshPrnamt>159689</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>159501</Sole>
             <Shared>0</Shared>
             <None>188</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ CYB ETF</titleOfClass>
         <cusip>33734X846</cusip>
         <value>19649</value>
         <shrsOrPrnAmt>
             <sshPrnamt>510174</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>491944</Sole>
             <Shared>0</Shared>
             <None>18230</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR STOXX EUROPEAN SELE</nameOfIssuer>
         <titleOfClass>COMMON SHS</titleOfClass>
         <cusip>33735T109</cusip>
         <value>303</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32354</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>32354</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EX US SML CP</titleOfClass>
         <cusip>33737J406</cusip>
         <value>200</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6136</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6046</Sole>
             <Shared>0</Shared>
             <None>90</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CP GR ALPH</titleOfClass>
         <cusip>33737M102</cusip>
         <value>1869</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34917</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>32994</Sole>
             <Shared>0</Shared>
             <None>1923</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NO AMER ENERGY</titleOfClass>
         <cusip>33738D101</cusip>
         <value>13550</value>
         <shrsOrPrnAmt>
             <sshPrnamt>544604</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>541315</Sole>
             <Shared>0</Shared>
             <None>3289</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ OIL GAS</titleOfClass>
         <cusip>33738R845</cusip>
         <value>3952</value>
         <shrsOrPrnAmt>
             <sshPrnamt>160996</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>146677</Sole>
             <Shared>0</Shared>
             <None>14319</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DORSEY WRIGHT</titleOfClass>
         <cusip>33738R886</cusip>
         <value>715</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44362</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>44362</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FST TR NEW OPPORT MLP &amp; ENE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33739M100</cusip>
         <value>117</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21435</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21435</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>CALIF MUN INCM</titleOfClass>
         <cusip>33739P863</cusip>
         <value>1066</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22774</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>22158</Sole>
             <Shared>0</Shared>
             <None>616</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FST LOW OPPT EFT</titleOfClass>
         <cusip>33739Q200</cusip>
         <value>58281</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1230794</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1201874</Sole>
             <Shared>0</Shared>
             <None>28920</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR ENH NEW</titleOfClass>
         <cusip>33739Q408</cusip>
         <value>48793</value>
         <shrsOrPrnAmt>
             <sshPrnamt>822511</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>808706</Sole>
             <Shared>0</Shared>
             <None>13805</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>TCW UNCONSTRAI</titleOfClass>
         <cusip>33740F888</cusip>
         <value>3295</value>
         <shrsOrPrnAmt>
             <sshPrnamt>138346</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>137827</Sole>
             <Shared>0</Shared>
             <None>519</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST WATCH RESTAURANT GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33748L101</cusip>
         <value>159</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10989</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10989</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FISKER INC</nameOfIssuer>
         <titleOfClass>CL A COM STK</titleOfClass>
         <cusip>33813J106</cusip>
         <value>130</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17165</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>14665</Sole>
             <Shared>0</Shared>
             <None>2500</None>
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     <infoTable>
         <nameOfIssuer>FLAHERTY &amp; CRUMRINE PFD INCO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33848E106</cusip>
         <value>79</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9250</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9250</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FORTIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>349553107</cusip>
         <value>1073</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28240</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17783</Sole>
             <Shared>0</Shared>
             <None>10457</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FORTINET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959E109</cusip>
         <value>8745</value>
         <shrsOrPrnAmt>
             <sshPrnamt>178004</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>173640</Sole>
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             <None>4364</None>
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     <infoTable>
         <nameOfIssuer>FORTUNE BRANDS HOME &amp; SEC IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34964C106</cusip>
         <value>5310</value>
         <shrsOrPrnAmt>
             <sshPrnamt>98891</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>97980</Sole>
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             <None>911</None>
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     <infoTable>
         <nameOfIssuer>FOX CORP</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>35137L105</cusip>
         <value>2173</value>
         <shrsOrPrnAmt>
             <sshPrnamt>70820</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>69935</Sole>
             <Shared>0</Shared>
             <None>885</None>
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     <infoTable>
         <nameOfIssuer>FRANKLIN ETF TR</nameOfIssuer>
         <titleOfClass>SHRT DUR US GOVT</titleOfClass>
         <cusip>353506108</cusip>
         <value>2315</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25793</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>25793</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FRANKLIN ELEC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>353514102</cusip>
         <value>1065</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13030</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12860</Sole>
             <Shared>0</Shared>
             <None>170</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>35671D857</cusip>
         <value>24614</value>
         <shrsOrPrnAmt>
             <sshPrnamt>900618</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>851903</Sole>
             <Shared>0</Shared>
             <None>48715</None>
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     <infoTable>
         <nameOfIssuer>FULCRUM THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>359616109</cusip>
         <value>264</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32600</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>32600</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GENERAC HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>368736104</cusip>
         <value>6286</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35289</sshPrnamt>
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         <nameOfIssuer>ENTERPRISE FINL SVCS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>EATON VANCE MUN BD FD</nameOfIssuer>
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         <cusip>27827X101</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>084670702</cusip>
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         <titleOfClass>RUSEL 1000 EQL</titleOfClass>
         <cusip>46138E420</cusip>
         <value>3074</value>
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         <cusip>46138E537</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>9</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>437076102</cusip>
         <value>74</value>
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         <cusip>38526M106</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>459200101</cusip>
         <value>2911</value>
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         <cusip>46120E602</cusip>
         <value>475</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>47233W109</cusip>
         <value>13</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>747525103</cusip>
         <value>3321</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29392</sshPrnamt>
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         <otherManager>2</otherManager>
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             <None>2300</None>
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     <infoTable>
         <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74834L100</cusip>
         <value>326</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2655</sshPrnamt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>RPM INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>749685103</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>111</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>COGNEX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>192422103</cusip>
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         <shrsOrPrnAmt>
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             <None>45</None>
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         <nameOfIssuer>SABRA HEALTH CARE REIT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78573L106</cusip>
         <value>186</value>
         <shrsOrPrnAmt>
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             <None>125</None>
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         <nameOfIssuer>SILVERGATE CAP CORP</nameOfIssuer>
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         <cusip>82837P408</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>172</sshPrnamt>
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             <None>30</None>
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     <infoTable>
         <nameOfIssuer>SOUTH JERSEY INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>356</value>
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     <infoTable>
         <nameOfIssuer>CONAGRA BRANDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>205887102</cusip>
         <value>272</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8330</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
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         <cusip>874039100</cusip>
         <value>348</value>
         <shrsOrPrnAmt>
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             <None>1031</None>
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         <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
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         <cusip>902973304</cusip>
         <value>2108</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52290</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>51742</Sole>
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             <None>548</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>8626</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48063</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
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             <Sole>48063</Sole>
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         <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931427108</cusip>
         <value>174</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5540</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>5490</Sole>
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             <None>50</None>
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         <nameOfIssuer>WASTE CONNECTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106B101</cusip>
         <value>88</value>
         <shrsOrPrnAmt>
             <sshPrnamt>649</sshPrnamt>
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             <Sole>624</Sole>
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             <None>25</None>
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     <infoTable>
         <nameOfIssuer>WILLIAMS COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>969457100</cusip>
         <value>309</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>10687</Sole>
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             <None>96</None>
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         <nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>500754106</cusip>
         <value>253</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7583</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
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             <Sole>7515</Sole>
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             <None>68</None>
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     <infoTable>
         <nameOfIssuer>LAUDER ESTEE COS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>518439104</cusip>
         <value>545</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2523</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
         <votingAuthority>
             <Sole>1671</Sole>
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             <None>852</None>
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     <infoTable>
         <nameOfIssuer>MAGNOLIA OIL &amp; GAS CORP</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>559663109</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>112</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
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             <None>112</None>
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     <infoTable>
         <nameOfIssuer>MATSON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>57686G105</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>158</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
         <titleOfClass>SHS - A -</titleOfClass>
         <cusip>N53745100</cusip>
         <value>549</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7295</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
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             <Sole>7234</Sole>
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             <None>61</None>
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     <infoTable>
         <nameOfIssuer>MEDICAL PPTYS TRUST INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>58463J304</cusip>
         <value>153</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12878</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>12763</Sole>
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             <None>115</None>
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     <infoTable>
         <nameOfIssuer>MODERNA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>60770K107</cusip>
         <value>77</value>
         <shrsOrPrnAmt>
             <sshPrnamt>653</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
         <votingAuthority>
             <Sole>628</Sole>
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             <None>25</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NETAPP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>64110D104</cusip>
         <value>74</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1192</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
         <votingAuthority>
             <Sole>1144</Sole>
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             <None>48</None>
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     <infoTable>
         <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>718546104</cusip>
         <value>85</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>1014</Sole>
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             <None>40</None>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
         <value>6650</value>
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             <sshPrnamt>72601</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>4627</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG MU</titleOfClass>
         <cusip>78468R721</cusip>
         <value>18</value>
         <shrsOrPrnAmt>
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             <None>284</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>22</value>
         <shrsOrPrnAmt>
             <sshPrnamt>468</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>171</Sole>
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             <None>297</None>
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         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>4</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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             <None>33</None>
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     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>529</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
         <votingAuthority>
             <Sole>923</Sole>
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             <None>477</None>
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         <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>842587107</cusip>
         <value>275</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4040</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
         <votingAuthority>
             <Sole>4005</Sole>
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             <None>35</None>
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         <nameOfIssuer>SPLUNK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>848637104</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
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             <Sole>25</Sole>
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             <None>29</None>
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         <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>854502101</cusip>
         <value>2462</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32733</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
         <votingAuthority>
             <Sole>32430</Sole>
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             <None>303</None>
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     <infoTable>
         <nameOfIssuer>TARGA RES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612G101</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>47</None>
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     <infoTable>
         <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90353T100</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>231</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
         <votingAuthority>
             <Sole>109</Sole>
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             <None>122</None>
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     <infoTable>
         <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>235851102</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
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             <None>20</None>
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     <infoTable>
         <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>253868103</cusip>
         <value>62</value>
         <shrsOrPrnAmt>
             <sshPrnamt>622</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
         <votingAuthority>
             <Sole>597</Sole>
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             <None>25</None>
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     <infoTable>
         <nameOfIssuer>EAST WEST BANCORP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27579R104</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>99</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
         <votingAuthority>
             <Sole>99</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30231G102</cusip>
         <value>2763</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31646</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>2</otherManager>
         <votingAuthority>
             <Sole>31304</Sole>
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             <None>342</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>375558103</cusip>
         <value>2619</value>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
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         <cusip>00214Q302</cusip>
         <value>32</value>
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         <cusip>00214Q708</cusip>
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         <cusip>007903107</cusip>
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         <cusip>02208R106</cusip>
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         <cusip>099502106</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>14020W106</cusip>
         <value>57</value>
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         <value>3</value>
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         <value>72</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>05368V106</cusip>
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         <cusip>05601U105</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>05605H100</cusip>
         <value>6</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>194162103</cusip>
         <value>618</value>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>21036P108</cusip>
         <value>532</value>
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         <value>173</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>22052L104</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>060505104</cusip>
         <value>1537</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>067901108</cusip>
         <value>81</value>
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         <value>158</value>
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         <nameOfIssuer>BEST BUY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>086516101</cusip>
         <value>424</value>
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         <value>84</value>
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         <cusip>22788C105</cusip>
         <value>136</value>
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             <sshPrnamt>827</sshPrnamt>
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         <nameOfIssuer>CURTISS WRIGHT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>231561101</cusip>
         <value>42</value>
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             <sshPrnamt>303</sshPrnamt>
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         <nameOfIssuer>D R HORTON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>23331A109</cusip>
         <value>44</value>
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             <sshPrnamt>654</sshPrnamt>
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         <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09247X101</cusip>
         <value>2027</value>
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             <sshPrnamt>3680</sshPrnamt>
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         <nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>3292</value>
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         <nameOfIssuer>DICKS SPORTING GOODS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>44</value>
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         <nameOfIssuer>DIGITAL WORLD ACQUISITION CO</nameOfIssuer>
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         <cusip>25400Q105</cusip>
         <value>25</value>
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         <nameOfIssuer>DXC TECHNOLOGY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>23355L106</cusip>
         <value>16</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>211</value>
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         <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09857L108</cusip>
         <value>30</value>
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             <sshPrnamt>18</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>258278100</cusip>
         <value>4</value>
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         <value>11</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>12008R107</cusip>
         <value>13</value>
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         <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
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         <value>1100</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>256163106</cusip>
         <value>27</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>87</value>
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         <titleOfClass>CL A</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>26856L103</cusip>
         <value>39</value>
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         <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
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         <cusip>26922A842</cusip>
         <value>156</value>
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         <nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>
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         <cusip>133131102</cusip>
         <value>40</value>
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         <cusip>14020V108</cusip>
         <value>47</value>
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         <cusip>143658300</cusip>
         <value>71</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>67</value>
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         <nameOfIssuer>DONALDSON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>257651109</cusip>
         <value>78</value>
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         <nameOfIssuer>CERTARA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>15687V109</cusip>
         <value>11</value>
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         <nameOfIssuer>CHAMPIONX CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>15872M104</cusip>
         <value>2</value>
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             <sshPrnamt>60</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>60</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>260557103</cusip>
         <value>216</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4908</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4908</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EQT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>26884L109</cusip>
         <value>75</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1830</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1830</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>DJ GLBL DIVID</titleOfClass>
         <cusip>33734X200</cusip>
         <value>204</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11027</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11027</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>DEV MRK EX US</titleOfClass>
         <cusip>33737J174</cusip>
         <value>66</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1587</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1587</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NO AMER ENERGY</titleOfClass>
         <cusip>33738D101</cusip>
         <value>44</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1781</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1781</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>TCW OPPORTUNIS</titleOfClass>
         <cusip>33740F805</cusip>
         <value>91</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2080</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2080</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>30303M102</cusip>
         <value>2652</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19547</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>17873</Sole>
             <Shared>0</Shared>
             <None>1674</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EASTERLY GOVT PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27616P103</cusip>
         <value>43</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2715</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2715</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EATON VANCE MUN BD FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27827X101</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>222</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>222</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EMCOR GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29084Q100</cusip>
         <value>241</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2088</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2088</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FORTRESS TRANS INFRST INVS L</nameOfIssuer>
         <titleOfClass>CL A COM SHS</titleOfClass>
         <cusip>34960P101</cusip>
         <value>44</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2945</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2945</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
         <titleOfClass>FTSE UNTD KGDM</titleOfClass>
         <cusip>35473P678</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>258</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>258</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FRANKLIN UNVL TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>355145103</cusip>
         <value>159</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25123</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>25123</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>992</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36291</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>35855</Sole>
             <Shared>0</Shared>
             <None>436</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
         <titleOfClass>COM UT LTD PTN</titleOfClass>
         <cusip>29273V100</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>960</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>960</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ENPRO INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29355X107</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>19</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29364G103</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>59</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EPAM SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29414B104</cusip>
         <value>383</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1058</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>758</Sole>
             <Shared>0</Shared>
             <None>300</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EQUITABLE HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29452E101</cusip>
         <value>420</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15944</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15660</Sole>
             <Shared>0</Shared>
             <None>284</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EURONET WORLDWIDE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>298736109</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>117</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>117</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>36467J108</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GARRETT MOTION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>366505105</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>17</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>
         <titleOfClass>FNF GROUP COM</titleOfClass>
         <cusip>31620R303</cusip>
         <value>45</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1256</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1256</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST AMERN FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31847R102</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>156</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>156</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>US EQTY OPPT ETF</titleOfClass>
         <cusip>336920103</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>148</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>148</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EXACT SCIENCES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30063P105</cusip>
         <value>21</value>
         <shrsOrPrnAmt>
             <sshPrnamt>634</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>129</Sole>
             <Shared>0</Shared>
             <None>505</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
         <titleOfClass>MSCI COMMNTN SVC</titleOfClass>
         <cusip>316092873</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>525</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>525</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GRAND CANYON ED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>38526M106</cusip>
         <value>32</value>
         <shrsOrPrnAmt>
             <sshPrnamt>387</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>387</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>40412C101</cusip>
         <value>49</value>
         <shrsOrPrnAmt>
             <sshPrnamt>266</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>233</Sole>
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             <None>33</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>GBL WND ENRG ETF</titleOfClass>
         <cusip>33736G106</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>665</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>HDFC BANK LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>40415F101</cusip>
         <value>53</value>
         <shrsOrPrnAmt>
             <sshPrnamt>905</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>905</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>HALLIBURTON CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>406216101</cusip>
         <value>22</value>
         <shrsOrPrnAmt>
             <sshPrnamt>907</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>43</Sole>
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             <None>864</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>HARTFORD FINL SVCS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>416515104</cusip>
         <value>23</value>
         <shrsOrPrnAmt>
             <sshPrnamt>379</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>338</Sole>
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             <None>41</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HASBRO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>418056107</cusip>
         <value>18</value>
         <shrsOrPrnAmt>
             <sshPrnamt>262</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>262</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HEXCEL CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>428291108</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>223</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>119</Sole>
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             <None>104</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CP GR ALPH</titleOfClass>
         <cusip>33737M102</cusip>
         <value>146</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2733</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2733</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR ENERGY INFRASTRCTR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738C103</cusip>
         <value>41</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3111</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3111</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
         <cusip>33738R506</cusip>
         <value>398</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10247</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10247</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>PFD SECS INC ETF</titleOfClass>
         <cusip>33739E108</cusip>
         <value>377</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22564</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21164</Sole>
             <Shared>0</Shared>
             <None>1400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FT CBOE VEST S&amp;P</titleOfClass>
         <cusip>33739Q705</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>206</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>206</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR HIGH YIELD OPPRT 20</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33741Q107</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>HONDA MOTOR LTD</nameOfIssuer>
         <titleOfClass>AMERN SHS</titleOfClass>
         <cusip>438128308</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>871</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>871</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>438516106</cusip>
         <value>1555</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9313</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9295</Sole>
             <Shared>0</Shared>
             <None>18</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HUDSON PAC PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>444097109</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>355</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>355</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SMID RISNG ETF</titleOfClass>
         <cusip>33741X102</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>415</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>415</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>56</value>
         <shrsOrPrnAmt>
             <sshPrnamt>597</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>501</Sole>
             <Shared>0</Shared>
             <None>96</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVE9 INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338307101</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>118</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>118</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>READY ACC VARI</titleOfClass>
         <cusip>33939L886</cusip>
         <value>1194</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16050</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>16050</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959J108</cusip>
         <value>42</value>
         <shrsOrPrnAmt>
             <sshPrnamt>726</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>626</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FOX CORP</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>35137L105</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>79</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>79</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>HLTH CARE ALPH</titleOfClass>
         <cusip>33734X143</cusip>
         <value>79</value>
         <shrsOrPrnAmt>
             <sshPrnamt>817</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>817</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EMERG MKT ALPH</titleOfClass>
         <cusip>33737J182</cusip>
         <value>25</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1374</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1374</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVE BELOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33829M101</cusip>
         <value>47</value>
         <shrsOrPrnAmt>
             <sshPrnamt>341</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>341</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>IMMUNOGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45253H101</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>526</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>526</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INSULET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45784P101</cusip>
         <value>40</value>
         <shrsOrPrnAmt>
             <sshPrnamt>173</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>173</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INTEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>458140100</cusip>
         <value>1318</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51126</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>50454</Sole>
             <Shared>0</Shared>
             <None>672</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD</nameOfIssuer>
         <titleOfClass>OPTIMUM YIELD</titleOfClass>
         <cusip>46090F100</cusip>
         <value>536</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33155</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>32473</Sole>
             <Shared>0</Shared>
             <None>682</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>369604301</cusip>
         <value>481</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7770</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6237</Sole>
             <Shared>0</Shared>
             <None>1533</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>370334104</cusip>
         <value>373</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4866</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4596</Sole>
             <Shared>0</Shared>
             <None>270</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>AEROSPACE DEFN</titleOfClass>
         <cusip>46137V100</cusip>
         <value>403</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6245</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6245</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>WATER RES ETF</titleOfClass>
         <cusip>46137V142</cusip>
         <value>211</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4612</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4612</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>FINL PFD ETF</titleOfClass>
         <cusip>46137V621</cusip>
         <value>242</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16082</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>16082</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GLADSTONE COMMERCIAL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>376536108</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>360</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>360</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
         <titleOfClass>AUTONMOUS EV ETF</titleOfClass>
         <cusip>37954Y624</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1180</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1180</Sole>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>GLOBUS MED INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>379577208</cusip>
         <value>92</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1540</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1540</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>345370860</cusip>
         <value>416</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37129</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>36730</Sole>
             <Shared>0</Shared>
             <None>399</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORMFACTOR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>346375108</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>50</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
         <titleOfClass>AGRICULTURE FD</titleOfClass>
         <cusip>46140H106</cusip>
         <value>536</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26788</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>26198</Sole>
             <Shared>0</Shared>
             <None>590</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GUARDANT HEALTH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>40131M109</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>453</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>413</Sole>
             <Shared>0</Shared>
             <None>40</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
         <titleOfClass>ISHARES NEW</titleOfClass>
         <cusip>464285204</cusip>
         <value>337</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10685</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7111</Sole>
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             <None>3574</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>SELECT DIVID ETF</titleOfClass>
         <cusip>464287168</cusip>
         <value>31</value>
         <shrsOrPrnAmt>
             <sshPrnamt>290</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>290</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
         <cusip>464287200</cusip>
         <value>366</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1020</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1020</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>GLOBAL TECH ETF</titleOfClass>
         <cusip>464287291</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
             <sshPrnamt>330</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>330</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HANOVER INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>410867105</cusip>
         <value>23</value>
         <shrsOrPrnAmt>
             <sshPrnamt>183</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>183</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HERSHEY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>427866108</cusip>
         <value>629</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2851</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2806</Sole>
             <Shared>0</Shared>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>464288158</cusip>
         <value>31</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <nameOfIssuer>PACWEST BANCORP DEL</nameOfIssuer>
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         <cusip>695263103</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>704326107</cusip>
         <value>619</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>PFD AND INCM SEC</titleOfClass>
         <cusip>464288687</cusip>
         <value>540</value>
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         <nameOfIssuer>ISHARES SILVER TR</nameOfIssuer>
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         <cusip>46428Q109</cusip>
         <value>341</value>
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         <value>137</value>
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         <cusip>72201R775</cusip>
         <value>379</value>
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         <value>23</value>
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         <value>7</value>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBOND DEC 2030</titleOfClass>
         <cusip>46436E593</cusip>
         <value>31</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>46436E726</cusip>
         <value>6</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>46436E767</cusip>
         <value>11</value>
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         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
         <titleOfClass>0-5 HIGH YIELD</titleOfClass>
         <cusip>72201R783</cusip>
         <value>7</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>723787107</cusip>
         <value>124</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>737446104</cusip>
         <value>1343</value>
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             <None>2865</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>631103108</cusip>
         <value>35</value>
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         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>64110W102</cusip>
         <value>77</value>
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     <infoTable>
         <nameOfIssuer>AMETEK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>031100100</cusip>
         <value>740</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6525</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6095</Sole>
             <Shared>0</Shared>
             <None>430</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>032654105</cusip>
         <value>1000</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7181</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6823</Sole>
             <Shared>0</Shared>
             <None>358</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
         <titleOfClass>BETABUILDERS CDA</titleOfClass>
         <cusip>46641Q225</cusip>
         <value>2</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>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
         <titleOfClass>BETABUILDERS DEV</titleOfClass>
         <cusip>46641Q233</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>22</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>494368103</cusip>
         <value>853</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7577</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7285</Sole>
             <Shared>0</Shared>
             <None>292</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>744320102</cusip>
         <value>503</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5865</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5804</Sole>
             <Shared>0</Shared>
             <None>61</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74460D109</cusip>
         <value>15</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>QUEST DIAGNOSTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74834L100</cusip>
         <value>60</value>
         <shrsOrPrnAmt>
             <sshPrnamt>485</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>485</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RPM INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>749685103</cusip>
         <value>32</value>
         <shrsOrPrnAmt>
             <sshPrnamt>381</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>381</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RBC BEARINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75524B104</cusip>
         <value>250</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1201</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1201</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REGAL REXNORD CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>758750103</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>16</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RESTAURANT BRANDS INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>76131D103</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>47</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>655844108</cusip>
         <value>370</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1765</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1765</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>666807102</cusip>
         <value>283</value>
         <shrsOrPrnAmt>
             <sshPrnamt>601</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>601</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>KONINKLIJKE PHILIPS N V</nameOfIssuer>
         <titleOfClass>NY REGIS SHS NEW</titleOfClass>
         <cusip>500472303</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>152</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>152</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LHC GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>50187A107</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>502431109</cusip>
         <value>1637</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7866</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7553</Sole>
             <Shared>0</Shared>
             <None>313</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LAUDER ESTEE COS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>518439104</cusip>
         <value>1144</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5301</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4918</Sole>
             <Shared>0</Shared>
             <None>383</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROBLOX CORP</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>771049103</cusip>
         <value>154</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4306</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3276</Sole>
             <Shared>0</Shared>
             <None>1030</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROYAL GOLD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>780287108</cusip>
         <value>34</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>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>78410G104</cusip>
         <value>27</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>86</Sole>
             <Shared>0</Shared>
             <None>9</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>101137107</cusip>
         <value>403</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10407</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10282</Sole>
             <Shared>0</Shared>
             <None>125</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>BRITISH AMERN TOB PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>110448107</cusip>
         <value>498</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14018</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14018</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOVANTA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67000B104</cusip>
         <value>35</value>
         <shrsOrPrnAmt>
             <sshPrnamt>304</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>304</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670657105</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>371</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>371</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVASIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670704105</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>36</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
         <cusip>67092P607</cusip>
         <value>97</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>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>3819</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24689</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21445</Sole>
             <Shared>0</Shared>
             <None>3244</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
         <cusip>78464A409</cusip>
         <value>321</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6400</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFLI TIPS ETF</titleOfClass>
         <cusip>78464A656</cusip>
         <value>147</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5797</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5797</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P SEMICNDCTR</titleOfClass>
         <cusip>78464A862</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>55</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>INCOM ALLO ETF</titleOfClass>
         <cusip>78467V202</cusip>
         <value>333</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11792</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11792</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
         <cusip>78468R622</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>97</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>97</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OKTA INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>679295105</cusip>
         <value>117</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2054</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2054</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>679580100</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OLIN CORP</nameOfIssuer>
         <titleOfClass>COM PAR $1</titleOfClass>
         <cusip>680665205</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>106</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>106</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ONTO INNOVATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>683344105</cusip>
         <value>30</value>
         <shrsOrPrnAmt>
             <sshPrnamt>469</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>469</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SVB FINANCIAL GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78486Q101</cusip>
         <value>41</value>
         <shrsOrPrnAmt>
             <sshPrnamt>121</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>108</Sole>
             <Shared>0</Shared>
             <None>13</None>
         </votingAuthority>
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     <infoTable>
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         <nameOfIssuer>LIBERTY MEDIA CORP DEL</nameOfIssuer>
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         <value>33</value>
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         <value>13</value>
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         <cusip>81369Y852</cusip>
         <value>43</value>
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         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
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         <nameOfIssuer>MGP INGREDIENTS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>MADDEN STEVEN LTD</nameOfIssuer>
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         <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
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         <value>11</value>
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         <cusip>14020X104</cusip>
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         <value>10</value>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>718172109</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>871829107</cusip>
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         <nameOfIssuer>METLIFE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>59156R108</cusip>
         <value>278</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4577</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4577</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>MICROSTRATEGY INC</nameOfIssuer>
         <titleOfClass>CL A NEW</titleOfClass>
         <cusip>594972408</cusip>
         <value>54</value>
         <shrsOrPrnAmt>
             <sshPrnamt>255</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>255</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>POOL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>73278L105</cusip>
         <value>189</value>
         <shrsOrPrnAmt>
             <sshPrnamt>595</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>595</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TARGET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612E106</cusip>
         <value>1509</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10154</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10136</Sole>
             <Shared>0</Shared>
             <None>18</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TELADOC HEALTH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87918A105</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>253</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>253</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TELEFONICA S A</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>879382208</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1651</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1651</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TEXTRON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>883203101</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>60</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>MOHAWK INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>608190104</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>79</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>79</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>MONGODB INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>60937P106</cusip>
         <value>93</value>
         <shrsOrPrnAmt>
             <sshPrnamt>466</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>340</Sole>
             <Shared>0</Shared>
             <None>126</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>MURPHY USA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>626755102</cusip>
         <value>25</value>
         <shrsOrPrnAmt>
             <sshPrnamt>91</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>91</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NIO INC</nameOfIssuer>
         <titleOfClass>SPON ADS</titleOfClass>
         <cusip>62914V106</cusip>
         <value>23</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1472</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1472</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74144T108</cusip>
         <value>757</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7212</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6661</Sole>
             <Shared>0</Shared>
             <None>551</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PRICESMART INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>741511109</cusip>
         <value>73</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1270</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1270</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PRIMERICA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74164M108</cusip>
         <value>196</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1590</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1590</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>742718109</cusip>
         <value>3245</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>25087</Sole>
             <Shared>0</Shared>
             <None>613</None>
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     <infoTable>
         <nameOfIssuer>PROSHARES TR</nameOfIssuer>
         <titleOfClass>RUSS 2000 DIVD</titleOfClass>
         <cusip>74347B698</cusip>
         <value>31</value>
         <shrsOrPrnAmt>
             <sshPrnamt>553</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>553</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PROSHARES TR</nameOfIssuer>
         <titleOfClass>S&amp;P 500 DV ARIST</titleOfClass>
         <cusip>74348A467</cusip>
         <value>89</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1112</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1112</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NATIONAL FUEL GAS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>636180101</cusip>
         <value>43</value>
         <shrsOrPrnAmt>
             <sshPrnamt>700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>300</Sole>
             <Shared>0</Shared>
             <None>400</None>
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     <infoTable>
         <nameOfIssuer>NEXSTAR MEDIA GROUP INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>65336K103</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>68</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TOPBUILD CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89055F103</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>44</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>UGI CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>902681105</cusip>
         <value>26</value>
         <shrsOrPrnAmt>
             <sshPrnamt>806</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>806</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ULTRA CLEAN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90385V107</cusip>
         <value>30</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1150</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1150</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>UNIFIRST CORP MASS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>904708104</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>85</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>904767704</cusip>
         <value>770</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>17456</Sole>
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             <None>112</None>
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     <infoTable>
         <nameOfIssuer>NIKOLA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>654110105</cusip>
         <value>0</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>
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     <infoTable>
         <nameOfIssuer>NORTHERN TR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>665859104</cusip>
         <value>43</value>
         <shrsOrPrnAmt>
             <sshPrnamt>500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>500</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NORTONLIFELOCK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>668771108</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>664</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>664</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VALE S A</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>91912E105</cusip>
         <value>56</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4235</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>4235</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VALMONT INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>920253101</cusip>
         <value>38</value>
         <shrsOrPrnAmt>
             <sshPrnamt>143</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>143</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>LONG MUNI ETF</titleOfClass>
         <cusip>92189F536</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>472</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>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>AGRIBUSINESS ETF</titleOfClass>
         <cusip>92189F700</cusip>
         <value>30</value>
         <shrsOrPrnAmt>
             <sshPrnamt>377</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>377</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
         <titleOfClass>DIV APP ETF</titleOfClass>
         <cusip>921908844</cusip>
         <value>2237</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15809</Sole>
             <Shared>0</Shared>
             <None>742</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
         <titleOfClass>VG TL INTL STK F</titleOfClass>
         <cusip>921909768</cusip>
         <value>123</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2686</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2572</Sole>
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             <None>114</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA GRWTH IND</titleOfClass>
         <cusip>921910816</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>16411R208</cusip>
         <value>22</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN MUNICIPAL CREDIT INC</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>67070X101</cusip>
         <value>23</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>OGE ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670837103</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>263</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>263</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>INTERMED TERM</titleOfClass>
         <cusip>921937819</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>47</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>YETI HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98585X104</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>226</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>226</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>988498101</cusip>
         <value>128</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1201</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1201</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>READY CAPITAL CORP</nameOfIssuer>
         <titleOfClass>7% CN SR NT 2023</titleOfClass>
         <cusip>75574U200</cusip>
         <value>161</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6444</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6345</Sole>
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             <None>99</None>
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     <infoTable>
         <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75886F107</cusip>
         <value>316</value>
         <shrsOrPrnAmt>
             <sshPrnamt>458</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>353</Sole>
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             <None>105</None>
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     <infoTable>
         <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>759351604</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34</sshPrnamt>
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             <None>27</None>
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     <infoTable>
         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>1507</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5840</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>5712</Sole>
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     <infoTable>
         <nameOfIssuer>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G46188101</cusip>
         <value>396</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6406</sshPrnamt>
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         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6149</Sole>
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             <None>257</None>
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     <infoTable>
         <nameOfIssuer>LUMIRADX LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5709L109</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9472</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>9472</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>15</value>
         <shrsOrPrnAmt>
             <sshPrnamt>105</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>98</Sole>
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             <None>7</None>
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     <infoTable>
         <nameOfIssuer>TRITON INTL LTD</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>G9078F107</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>356</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>356</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>WHITE MTNS INS GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G9618E107</cusip>
         <value>86</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>66</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CRISPR THERAPEUTICS AG</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>H17182108</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>293</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>293</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>RITCHIE BROS AUCTIONEERS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>767744105</cusip>
         <value>46</value>
         <shrsOrPrnAmt>
             <sshPrnamt>732</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>732</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>76954A103</cusip>
         <value>171</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5205</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5105</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>776696106</cusip>
         <value>659</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1831</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1696</Sole>
             <Shared>0</Shared>
             <None>135</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>778296103</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>195</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>85</Sole>
             <Shared>0</Shared>
             <None>110</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H84989104</cusip>
         <value>643</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5822</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5706</Sole>
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             <None>116</None>
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     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>GLB NAT RESRCE</titleOfClass>
         <cusip>78463X541</cusip>
         <value>21</value>
         <shrsOrPrnAmt>
             <sshPrnamt>422</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>422</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>S&amp;P INTL ETF</titleOfClass>
         <cusip>78463X772</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>212</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>212</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFLI INTRMDIT</titleOfClass>
         <cusip>78464A672</cusip>
         <value>50</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1768</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1768</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>QUALYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74758T303</cusip>
         <value>46</value>
         <shrsOrPrnAmt>
             <sshPrnamt>331</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>331</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74762E102</cusip>
         <value>836</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6564</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6483</Sole>
             <Shared>0</Shared>
             <None>81</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RMR GROUP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>74967R106</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>754730109</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>244</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>244</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78467J100</cusip>
         <value>70</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1467</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1391</Sole>
             <Shared>0</Shared>
             <None>76</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
         <value>3320</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36247</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>20711</Sole>
             <Shared>0</Shared>
             <None>15536</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG MU</titleOfClass>
         <cusip>78468R721</cusip>
         <value>50</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1141</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>959</Sole>
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             <None>182</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SABRE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78573M104</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1000</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>7591EP100</cusip>
         <value>30</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1499</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1499</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>RELX PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>759530108</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>92</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>92</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>REPLIGEN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>759916109</cusip>
         <value>45</value>
         <shrsOrPrnAmt>
             <sshPrnamt>239</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>109</Sole>
             <Shared>0</Shared>
             <None>130</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RESMED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>761152107</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>31</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REVOLVE GROUP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>76156B107</cusip>
         <value>165</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7595</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7190</Sole>
             <Shared>0</Shared>
             <None>405</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM STK</titleOfClass>
         <cusip>806857108</cusip>
         <value>201</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5591</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5489</Sole>
             <Shared>0</Shared>
             <None>102</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LRG CAP ETF</titleOfClass>
         <cusip>808524201</cusip>
         <value>201</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4740</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4740</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>58</value>
         <shrsOrPrnAmt>
             <sshPrnamt>880</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>880</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCOTTS MIRACLE-GRO CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>810186106</cusip>
         <value>118</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2757</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2627</Sole>
             <Shared>0</Shared>
             <None>130</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81181C104</cusip>
         <value>103</value>
         <shrsOrPrnAmt>
             <sshPrnamt>754</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>773903109</cusip>
         <value>32</value>
         <shrsOrPrnAmt>
             <sshPrnamt>149</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <cusip>780259305</cusip>
         <value>131</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2628</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>ROYCE VALUE TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>780910105</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>82489T104</cusip>
         <value>4</value>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78464A359</cusip>
         <value>38</value>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78464A508</cusip>
         <value>53</value>
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     <infoTable>
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         <titleOfClass>DJ REIT ETF</titleOfClass>
         <cusip>78464A607</cusip>
         <value>6</value>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
         <cusip>78464A763</cusip>
         <value>207</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>BLACKSTONE SENR</titleOfClass>
         <cusip>78467V608</cusip>
         <value>409</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
         <cusip>78467Y107</cusip>
         <value>218</value>
         <shrsOrPrnAmt>
             <sshPrnamt>542</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>542</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SAIA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78709Y105</cusip>
         <value>8</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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     <infoTable>
         <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>2109</value>
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         <nameOfIssuer>SANOFI</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>80105N105</cusip>
         <value>14</value>
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         <otherManager>3</otherManager>
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             <Sole>209</Sole>
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             <None>163</None>
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     <infoTable>
         <nameOfIssuer>SIMPLY GOOD FOODS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82900L102</cusip>
         <value>31</value>
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         <nameOfIssuer>SONOCO PRODS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>835495102</cusip>
         <value>1176</value>
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         <otherManager>3</otherManager>
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             <None>7348</None>
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     <infoTable>
         <nameOfIssuer>SOUTHSTATE CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>840441109</cusip>
         <value>187</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2367</sshPrnamt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPIRE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>84857L101</cusip>
         <value>28</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>MATIV HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808541106</cusip>
         <value>48</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>33</value>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>1083</value>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>733</value>
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     <infoTable>
         <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>854502101</cusip>
         <value>689</value>
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         <nameOfIssuer>STORE CAP CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>862121100</cusip>
         <value>28</value>
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     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>379</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
         <value>218</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SIMPSON MFG INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>829073105</cusip>
         <value>202</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SOCIEDAD QUIMICA Y MINERA DE</nameOfIssuer>
         <titleOfClass>SPON ADR SER B</titleOfClass>
         <cusip>833635105</cusip>
         <value>1</value>
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     <infoTable>
         <nameOfIssuer>SUN CMNTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>866674104</cusip>
         <value>524</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>874054109</cusip>
         <value>74</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>658</Sole>
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             <None>22</None>
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     <infoTable>
         <nameOfIssuer>SPLUNK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>848637104</cusip>
         <value>96</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1280</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>205</None>
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     <infoTable>
         <nameOfIssuer>BLOCK INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>852234103</cusip>
         <value>94</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1712</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>STAAR SURGICAL CO</nameOfIssuer>
         <titleOfClass>COM PAR $0.01</titleOfClass>
         <cusip>852312305</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CONMED CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>207410101</cusip>
         <value>26</value>
         <shrsOrPrnAmt>
             <sshPrnamt>328</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>COUPANG INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>22266T109</cusip>
         <value>15</value>
         <shrsOrPrnAmt>
             <sshPrnamt>907</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>907</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>STARWOOD PPTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>85571B105</cusip>
         <value>1018</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55883</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>55883</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SUMITOMO MITSUI FINL GROUP I</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>86562M209</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>392</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>392</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SUMMIT MATLS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>86614U100</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>29</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SUNCOR ENERGY INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>867224107</cusip>
         <value>478</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16981</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>879369106</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>880770102</cusip>
         <value>135</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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         <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>882508104</cusip>
         <value>1298</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8388</sshPrnamt>
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         <otherManager>3</otherManager>
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             <None>95</None>
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         <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871607107</cusip>
         <value>294</value>
         <shrsOrPrnAmt>
             <sshPrnamt>963</sshPrnamt>
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         <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872540109</cusip>
         <value>1081</value>
         <shrsOrPrnAmt>
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             <None>1176</None>
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         <nameOfIssuer>TC ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87807B107</cusip>
         <value>200</value>
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             <sshPrnamt>4963</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>87971M103</cusip>
         <value>1</value>
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         <cusip>88688T100</cusip>
         <value>7</value>
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             <None>0</None>
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         <nameOfIssuer>TOYOTA MOTOR CORP</nameOfIssuer>
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         <cusip>892331307</cusip>
         <value>152</value>
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         <value>11</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>1163</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>883556102</cusip>
         <value>3474</value>
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         <nameOfIssuer>CROWN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>228368106</cusip>
         <value>8</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>231021106</cusip>
         <value>659</value>
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             <None>108</None>
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         <nameOfIssuer>DT MIDSTREAM INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>23345M107</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>DARLING INGREDIENTS INC</nameOfIssuer>
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         <value>17</value>
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         <nameOfIssuer>DECKERS OUTDOOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>243537107</cusip>
         <value>36</value>
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         <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89832Q109</cusip>
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         <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90353T100</cusip>
         <value>185</value>
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         <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>907818108</cusip>
         <value>1289</value>
         <shrsOrPrnAmt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>90184L102</cusip>
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         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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         <cusip>92189F437</cusip>
         <value>356</value>
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         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
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         <cusip>921910733</cusip>
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         <nameOfIssuer>UNITED STATES STL CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>912909108</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>92189F429</cusip>
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         <cusip>92189F676</cusip>
         <value>10</value>
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         <cusip>92189F817</cusip>
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         <cusip>921932828</cusip>
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         <cusip>921932885</cusip>
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         <cusip>922042775</cusip>
         <value>243</value>
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         <cusip>92204A108</cusip>
         <value>25</value>
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         <cusip>92206C714</cusip>
         <value>122</value>
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         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000IDX</titleOfClass>
         <cusip>92206C730</cusip>
         <value>12</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>217</value>
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         <value>5</value>
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         <cusip>94106L109</cusip>
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         <cusip>97717W604</cusip>
         <value>55</value>
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         <cusip>98954M200</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>65</value>
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         <cusip>98980G102</cusip>
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         <cusip>G02602103</cusip>
         <value>397</value>
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         <cusip>G0450A105</cusip>
         <value>632</value>
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         <cusip>G21810109</cusip>
         <value>432</value>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>G3323L100</cusip>
         <value>10</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>26875P101</cusip>
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         <cusip>27826S103</cusip>
         <value>93</value>
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         <value>8</value>
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         <value>107</value>
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         <cusip>29446M102</cusip>
         <value>736</value>
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         <cusip>005098108</cusip>
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         <value>1</value>
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         <cusip>02043Q107</cusip>
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         <cusip>07725L102</cusip>
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         <cusip>084670702</cusip>
         <value>7234</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>08579W103</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>51928</Sole>
             <Shared>0</Shared>
             <None>9409</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>023436108</cusip>
         <value>25</value>
         <shrsOrPrnAmt>
             <sshPrnamt>262</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>262</Sole>
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             <None>0</None>
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         <nameOfIssuer>AMERESCO INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>02361E108</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>48</Sole>
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             <None>0</None>
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         <nameOfIssuer>AMERICAN HOMES 4 RENT</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>02665T306</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>370</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>370</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>AMER SOFTWARE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>029683109</cusip>
         <value>33</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2129</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2129</Sole>
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             <None>0</None>
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         <nameOfIssuer>AMERIS BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>03076K108</cusip>
         <value>36</value>
         <shrsOrPrnAmt>
             <sshPrnamt>813</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>813</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>ANSYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>03662Q105</cusip>
         <value>112</value>
         <shrsOrPrnAmt>
             <sshPrnamt>505</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>505</Sole>
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             <None>0</None>
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         <nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>036752103</cusip>
         <value>294</value>
         <shrsOrPrnAmt>
             <sshPrnamt>647</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>647</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>APPLIED INDL TECHNOLOGIES IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>03820C105</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>ATMOS ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>049560105</cusip>
         <value>94</value>
         <shrsOrPrnAmt>
             <sshPrnamt>924</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>924</Sole>
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             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>BLOCK H &amp; R INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>093671105</cusip>
         <value>81</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1896</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1896</Sole>
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             <None>0</None>
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         <nameOfIssuer>BLOOM ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>093712107</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>426</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>426</Sole>
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             <None>0</None>
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         <nameOfIssuer>BOOT BARN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>099406100</cusip>
         <value>37</value>
         <shrsOrPrnAmt>
             <sshPrnamt>628</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>628</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>CAP STRENGTH ETF</titleOfClass>
         <cusip>33733E104</cusip>
         <value>680</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10236</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>10236</Sole>
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             <None>0</None>
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         <nameOfIssuer>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337344105</cusip>
         <value>47</value>
         <shrsOrPrnAmt>
             <sshPrnamt>556</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>556</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ CYB ETF</titleOfClass>
         <cusip>33734X846</cusip>
         <value>54</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1402</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1402</Sole>
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             <None>0</None>
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         <nameOfIssuer>FIRST TR MID CAP CORE ALPHAD</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735B108</cusip>
         <value>17</value>
         <shrsOrPrnAmt>
             <sshPrnamt>208</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>208</Sole>
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             <None>0</None>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CAP VAL FD</titleOfClass>
         <cusip>33737M201</cusip>
         <value>106</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2783</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2783</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR TA HIYL</titleOfClass>
         <cusip>33738D408</cusip>
         <value>98</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2566</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2566</Sole>
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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>51</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1068</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR ENH NEW</titleOfClass>
         <cusip>33739Q408</cusip>
         <value>208</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3504</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3504</Sole>
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             <None>0</None>
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         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>EQUITYCOMPASS</titleOfClass>
         <cusip>33740F607</cusip>
         <value>28</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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         <nameOfIssuer>FLOOR &amp; DECOR HLDGS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>339750101</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>80</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>343412102</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>450</Sole>
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             <None>0</None>
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         <nameOfIssuer>FORTIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>349553107</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>27</Sole>
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             <None>0</None>
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         <nameOfIssuer>ATRION CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>049904105</cusip>
         <value>58</value>
         <shrsOrPrnAmt>
             <sshPrnamt>102</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>102</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>BJS WHSL CLUB HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>05550J101</cusip>
         <value>58</value>
         <shrsOrPrnAmt>
             <sshPrnamt>800</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>676</Sole>
             <Shared>0</Shared>
             <None>124</None>
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         <nameOfIssuer>BAIDU INC</nameOfIssuer>
         <titleOfClass>SPON ADR REP A</titleOfClass>
         <cusip>056752108</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
             <sshPrnamt>116</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>116</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>BALCHEM CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>057665200</cusip>
         <value>35</value>
         <shrsOrPrnAmt>
             <sshPrnamt>291</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>291</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>BALL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>058498106</cusip>
         <value>172</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3566</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3084</Sole>
             <Shared>0</Shared>
             <None>482</None>
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     <infoTable>
         <nameOfIssuer>GATX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>361448103</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>104</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>104</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>369550108</cusip>
         <value>1305</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6137</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6137</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>37045V100</cusip>
         <value>148</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4625</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4490</Sole>
             <Shared>0</Shared>
             <None>135</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>AZENTA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>114340102</cusip>
         <value>4</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>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CBRE GROUP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>12504L109</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>44</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CDW CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12514G108</cusip>
         <value>35</value>
         <shrsOrPrnAmt>
             <sshPrnamt>227</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>227</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>C H ROBINSON WORLDWIDE INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>12541W209</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13</Sole>
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             <None>59</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>375558103</cusip>
         <value>1082</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17541</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>17258</Sole>
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             <None>283</None>
         </votingAuthority>
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         <nameOfIssuer>BK OF AMERICA CORP</nameOfIssuer>
         <titleOfClass>7.25%CNV PFD L</titleOfClass>
         <cusip>060505682</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <titleOfClass>COM</titleOfClass>
         <cusip>26614N102</cusip>
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         <nameOfIssuer>ENTERPRISE FINL SVCS CORP</nameOfIssuer>
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         <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
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         <value>109</value>
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         <cusip>381430503</cusip>
         <value>14</value>
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         <cusip>35473P744</cusip>
         <value>5</value>
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         <nameOfIssuer>GUIDEWIRE SOFTWARE INC</nameOfIssuer>
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         <nameOfIssuer>HANNON ARMSTRONG SUST INFR C</nameOfIssuer>
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         <cusip>41068X100</cusip>
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         <cusip>37733W204</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>37954Y483</cusip>
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         <value>39</value>
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         <value>426</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>ING GROEP N.V.</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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             <None>141</None>
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         <value>48</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>464288786</cusip>
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             <None>667</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>EAFE VALUE ETF</titleOfClass>
         <cusip>464288877</cusip>
         <value>12</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>DWA BASIC MATL</titleOfClass>
         <cusip>46137V704</cusip>
         <value>363</value>
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         <cusip>46137V753</cusip>
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         <cusip>46138B103</cusip>
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         <cusip>46138E263</cusip>
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         <cusip>46138E362</cusip>
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         <cusip>14020G101</cusip>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>46429B598</cusip>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>0-5 YR TIPS ETF</titleOfClass>
         <cusip>46429B747</cusip>
         <value>21</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <titleOfClass>CORE MSCI EMKT</titleOfClass>
         <cusip>46434G103</cusip>
         <value>781</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18172</sshPrnamt>
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         <nameOfIssuer>ISHARES INC</nameOfIssuer>
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         <cusip>46434G822</cusip>
         <value>82</value>
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             <None>0</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>BLACKROCK ULTRA</titleOfClass>
         <cusip>46434V878</cusip>
         <value>356</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7122</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>46436E486</cusip>
         <value>32</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1639</sshPrnamt>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>46436E874</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1011</sshPrnamt>
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             <Sole>1011</Sole>
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             <None>0</None>
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         <nameOfIssuer>JANUS DETROIT STR TR</nameOfIssuer>
         <titleOfClass>HENDRSN SHRT ETF</titleOfClass>
         <cusip>47103U886</cusip>
         <value>1851</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38159</sshPrnamt>
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         <otherManager>3</otherManager>
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             <None>1116</None>
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         <nameOfIssuer>KLA CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>482480100</cusip>
         <value>340</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1125</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <Sole>1125</Sole>
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             <None>0</None>
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         <nameOfIssuer>KEYCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>493267108</cusip>
         <value>139</value>
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             <sshPrnamt>8674</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>KYNDRYL HLDGS INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>50155Q100</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>571</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>571</Sole>
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             <None>0</None>
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         <nameOfIssuer>LCI INDS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>50189K103</cusip>
         <value>162</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1593</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1593</Sole>
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             <None>0</None>
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         <nameOfIssuer>LAMAR ADVERTISING CO NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>512816109</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>75</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>LEAR CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>521865204</cusip>
         <value>48</value>
         <shrsOrPrnAmt>
             <sshPrnamt>400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>400</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>LITTELFUSE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>537008104</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>20</Sole>
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             <None>0</None>
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         <nameOfIssuer>LIVENT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>53814L108</cusip>
         <value>210</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6852</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>6852</Sole>
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             <None>0</None>
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         <nameOfIssuer>LUMENTUM HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>55024U109</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>104</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>104</Sole>
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             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>MATCH GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>57667L107</cusip>
         <value>84</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1751</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1751</Sole>
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             <None>0</None>
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         <nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
         <titleOfClass>COM NON VTG</titleOfClass>
         <cusip>579780206</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>69</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>69</Sole>
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             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>MID-AMER APT CMNTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>59522J103</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>10</Sole>
             <Shared>0</Shared>
             <None>41</None>
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         <nameOfIssuer>MOELIS &amp; CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>60786M105</cusip>
         <value>130</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3857</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>3857</Sole>
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             <None>0</None>
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         <nameOfIssuer>MOLINA HEALTHCARE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>60855R100</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37</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>MONDELEZ INTL INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>609207105</cusip>
         <value>2543</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46369</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <None>10189</None>
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         <nameOfIssuer>MONOLITHIC PWR SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>609839105</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>67</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>NATIONAL VISION HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>63845R107</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>54</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>NETAPP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>64110D104</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>143</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>143</Sole>
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             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>NEUROCRINE BIOSCIENCES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>64125C109</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>64</None>
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         <nameOfIssuer>NEWMARKET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>651587107</cusip>
         <value>18</value>
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             <sshPrnamt>59</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>NOVAGOLD RES INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>66987E206</cusip>
         <value>6</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>66987V109</cusip>
         <value>435</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>3</otherManager>
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         <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67077M108</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27</sshPrnamt>
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         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG MIDCP</titleOfClass>
         <cusip>67092P409</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>177</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>177</Sole>
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             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103H107</cusip>
         <value>658</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>910</Sole>
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             <None>25</None>
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         <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682680103</cusip>
         <value>38</value>
         <shrsOrPrnAmt>
             <sshPrnamt>748</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>748</Sole>
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             <None>0</None>
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         <nameOfIssuer>ONEMAIN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68268W103</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>803</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>803</Sole>
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             <None>0</None>
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         <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>68622V106</cusip>
         <value>164</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7005</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>75</None>
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         <nameOfIssuer>PACCAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693718108</cusip>
         <value>72</value>
         <shrsOrPrnAmt>
             <sshPrnamt>865</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>722</Sole>
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             <None>143</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PACIFIC BIOSCIENCES CALIF IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69404D108</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>300</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PERFICIENT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>71375U101</cusip>
         <value>27</value>
         <shrsOrPrnAmt>
             <sshPrnamt>411</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>411</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PETCO HEALTH &amp; WELLNESS CO I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>71601V105</cusip>
         <value>2</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>718546104</cusip>
         <value>333</value>
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     <infoTable>
         <nameOfIssuer>PLUG POWER INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>72919P202</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>PROGYNY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74340E103</cusip>
         <value>38</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>PROSPECT CAP CORP</nameOfIssuer>
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         <cusip>74348TAT9</cusip>
         <value>10</value>
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     <infoTable>
         <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>REYNOLDS CONSUMER PRODS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>76171L106</cusip>
         <value>26</value>
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         <nameOfIssuer>ROLLINS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>775711104</cusip>
         <value>143</value>
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             <Sole>4110</Sole>
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             <None>0</None>
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         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
         <value>542</value>
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             <sshPrnamt>1775</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1713</Sole>
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             <None>62</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78464A300</cusip>
         <value>44</value>
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             <sshPrnamt>658</sshPrnamt>
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         <otherManager>3</otherManager>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78464A870</cusip>
         <value>8</value>
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         <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
         <titleOfClass>UT SER 1</titleOfClass>
         <cusip>78467X109</cusip>
         <value>977</value>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
         <cusip>78468R408</cusip>
         <value>3</value>
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     <infoTable>
         <nameOfIssuer>CHURCHILL DOWNS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>171484108</cusip>
         <value>39</value>
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     <infoTable>
         <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
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         <cusip>172967424</cusip>
         <value>65</value>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US MID-CAP ETF</titleOfClass>
         <cusip>808524508</cusip>
         <value>50</value>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>268</value>
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             <sshPrnamt>3938</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>769</value>
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             <sshPrnamt>6471</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>283</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1890</sshPrnamt>
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             <None>40</None>
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     <infoTable>
         <nameOfIssuer>SENSEONICS HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81727U105</cusip>
         <value>14</value>
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             <None>0</None>
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         <nameOfIssuer>SHORE BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825107105</cusip>
         <value>881</value>
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         <nameOfIssuer>SINCLAIR BROADCAST GROUP INC</nameOfIssuer>
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         <cusip>829226109</cusip>
         <value>2</value>
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     <infoTable>
         <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>813</value>
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         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>279</value>
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         <nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
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         <value>79</value>
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         <nameOfIssuer>SOUTH JERSEY INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>12</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>842587107</cusip>
         <value>392</value>
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         <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>844741108</cusip>
         <value>767</value>
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         <nameOfIssuer>SPROTT PHYSICAL GOLD TR</nameOfIssuer>
         <titleOfClass>UNIT</titleOfClass>
         <cusip>85207H104</cusip>
         <value>73</value>
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         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
         <value>1686</value>
         <shrsOrPrnAmt>
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             <None>1114</None>
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     <infoTable>
         <nameOfIssuer>STMICROELECTRONICS N V</nameOfIssuer>
         <titleOfClass>NY REGISTRY</titleOfClass>
         <cusip>861012102</cusip>
         <value>3</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>SYNAPTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87157D109</cusip>
         <value>10</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>COINBASE GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>19260Q107</cusip>
         <value>85</value>
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             <None>229</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>205887102</cusip>
         <value>373</value>
         <shrsOrPrnAmt>
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         <otherManager>3</otherManager>
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             <None>0</None>
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         <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>20825C104</cusip>
         <value>344</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>279</None>
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         <nameOfIssuer>TAPESTRY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>876030107</cusip>
         <value>8</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>26</None>
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     <infoTable>
         <nameOfIssuer>THOMSON REUTERS CORP.</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>884903709</cusip>
         <value>9</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TORO CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>891092108</cusip>
         <value>167</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1930</Sole>
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         <nameOfIssuer>TREX CO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89531P105</cusip>
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         <shrsOrPrnAmt>
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             <None>100</None>
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         <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
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         <cusip>902973304</cusip>
         <value>1495</value>
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         <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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         <cusip>911312106</cusip>
         <value>810</value>
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         <value>21</value>
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         <value>47</value>
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         <value>10</value>
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         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
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         <cusip>92204A504</cusip>
         <value>2</value>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
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         <value>527</value>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>6</value>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
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         <cusip>922908744</cusip>
         <value>2347</value>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>535</value>
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         <nameOfIssuer>VIMEO INC</nameOfIssuer>
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         <nameOfIssuer>VIRGIN GALACTIC HOLDINGS INC</nameOfIssuer>
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         <value>1</value>
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         <cusip>97717W315</cusip>
         <value>2</value>
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         <cusip>97717W760</cusip>
         <value>2</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>513272104</cusip>
         <value>262</value>
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         <cusip>980228308</cusip>
         <value>4</value>
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         <otherManager>3</otherManager>
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         <titleOfClass>SPDR GLD MINIS</titleOfClass>
         <cusip>98149E303</cusip>
         <value>16</value>
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         <otherManager>3</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>98389B100</cusip>
         <value>117</value>
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         <nameOfIssuer>YUM CHINA HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98850P109</cusip>
         <value>11</value>
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         <cusip>989207105</cusip>
         <value>209</value>
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         <cusip>98954M101</cusip>
         <value>5</value>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>98978V103</cusip>
         <value>521</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>ZOOM VIDEO COMMUNICATIONS IN</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>98980L101</cusip>
         <value>62</value>
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         <titleOfClass>SHS CL A</titleOfClass>
         <cusip>G0403H108</cusip>
         <value>233</value>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>G06242104</cusip>
         <value>74</value>
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         <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G25839104</cusip>
         <value>8</value>
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         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>2223</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>564</None>
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         <cusip>576690101</cusip>
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         <value>18</value>
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         <value>1708</value>
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         <value>8</value>
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         <nameOfIssuer>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
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         <value>924</value>
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         <titleOfClass>SHTRM MUN BD ACT</titleOfClass>
         <cusip>72201R874</cusip>
         <value>15</value>
         <shrsOrPrnAmt>
             <sshPrnamt>316</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>316</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PINNACLE WEST CAP CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>723484101</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>122</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>122</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>POWER INTEGRATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>739276103</cusip>
         <value>33</value>
         <shrsOrPrnAmt>
             <sshPrnamt>508</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>508</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>743315103</cusip>
         <value>35</value>
         <shrsOrPrnAmt>
             <sshPrnamt>303</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>235</Sole>
             <Shared>0</Shared>
             <None>68</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PROSHARES TR</nameOfIssuer>
         <titleOfClass>S&amp;P MDCP 400 DIV</titleOfClass>
         <cusip>74347B680</cusip>
         <value>70</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1091</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1091</Sole>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>744573106</cusip>
         <value>62</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1099</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1099</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>745867101</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>127</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>127</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>QUANTUMSCAPE CORP</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>74767V109</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>235</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>235</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RLI CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>749607107</cusip>
         <value>102</value>
         <shrsOrPrnAmt>
             <sshPrnamt>998</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>998</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>756109104</cusip>
         <value>660</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11338</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11039</Sole>
             <Shared>0</Shared>
             <None>299</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>767204100</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>85</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
         <cusip>78464A664</cusip>
         <value>315</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10612</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6066</Sole>
             <Shared>0</Shared>
             <None>4546</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P INS ETF</titleOfClass>
         <cusip>78464A789</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>46</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>54</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1161</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>998</Sole>
             <Shared>0</Shared>
             <None>163</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US BRD MKT ETF</titleOfClass>
         <cusip>808524102</cusip>
         <value>39</value>
         <shrsOrPrnAmt>
             <sshPrnamt>918</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>918</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>46</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1650</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1650</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US TIPS ETF</titleOfClass>
         <cusip>808524870</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>
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     <infoTable>
         <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81211K100</cusip>
         <value>36</value>
         <shrsOrPrnAmt>
             <sshPrnamt>815</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>815</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>1111</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9176</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9109</Sole>
             <Shared>0</Shared>
             <None>67</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>952</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13211</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13099</Sole>
             <Shared>0</Shared>
             <None>112</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVISFIRST BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81768T108</cusip>
         <value>1</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>SHYFT GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825698103</cusip>
         <value>35</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1719</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1719</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIGNATURE BK NEW YORK N Y</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82669G104</cusip>
         <value>67</value>
         <shrsOrPrnAmt>
             <sshPrnamt>442</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>442</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITIME CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982T106</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83088M102</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>146</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>146</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOFI TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83406F102</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>858119100</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>SUPERNUS PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>868459108</cusip>
         <value>43</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1272</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1272</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SWITCH INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>87105L104</cusip>
         <value>367</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10200</Sole>
             <Shared>0</Shared>
             <None>700</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TFI INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87241L109</cusip>
         <value>51</value>
         <shrsOrPrnAmt>
             <sshPrnamt>569</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>569</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872590104</cusip>
         <value>23</value>
         <shrsOrPrnAmt>
             <sshPrnamt>172</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>141</Sole>
             <Shared>0</Shared>
             <None>31</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TECK RESOURCES LTD</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>878742204</cusip>
         <value>53</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1747</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1747</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TECHTARGET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87874R100</cusip>
         <value>33</value>
         <shrsOrPrnAmt>
             <sshPrnamt>559</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>559</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TELEFONICA BRASIL SA</nameOfIssuer>
         <titleOfClass>NEW ADR</titleOfClass>
         <cusip>87936R205</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>96</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>96</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>10X GENOMICS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>88025U109</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>99</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>99</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THE TRADE DESK INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>88339J105</cusip>
         <value>122</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2046</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2046</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THOR INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>885160101</cusip>
         <value>94</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1342</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1342</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>3M CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88579Y101</cusip>
         <value>1632</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14763</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14721</Sole>
             <Shared>0</Shared>
             <None>42</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TORONTO DOMINION BK ONT</nameOfIssuer>
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         <cusip>891160509</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <cusip>23804L103</cusip>
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         <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>441</value>
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             <sshPrnamt>6385</sshPrnamt>
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         <nameOfIssuer>DOMINOS PIZZA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>2</value>
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             <sshPrnamt>6</sshPrnamt>
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         <nameOfIssuer>DOUBLELINE INCOME SOLUTIONS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>258622109</cusip>
         <value>266</value>
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         <nameOfIssuer>DOUGLAS DYNAMICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25960R105</cusip>
         <value>322</value>
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         <nameOfIssuer>DRAFTKINGS INC NEW</nameOfIssuer>
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         <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
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         <value>562</value>
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         <nameOfIssuer>EAGLE MATLS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>26969P108</cusip>
         <value>36</value>
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             <sshPrnamt>332</sshPrnamt>
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         <nameOfIssuer>EASTGROUP PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>277276101</cusip>
         <value>5</value>
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         <cusip>29082K105</cusip>
         <value>18</value>
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         <nameOfIssuer>EVERI HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30034T103</cusip>
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             <sshPrnamt>123</sshPrnamt>
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         <nameOfIssuer>EXLSERVICE HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>302081104</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>EXPONENT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30214U102</cusip>
         <value>152</value>
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         <value>368</value>
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         <nameOfIssuer>FIRST HAWAIIAN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32051X108</cusip>
         <value>196</value>
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         <nameOfIssuer>FIRST REP BK SAN FRANCISCO C</nameOfIssuer>
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         <cusip>33734H106</cusip>
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         <cusip>37950E101</cusip>
         <value>43</value>
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     <infoTable>
         <nameOfIssuer>H &amp; E EQUIPMENT SERVICES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>404030108</cusip>
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         <cusip>404280406</cusip>
         <value>146</value>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
         <titleOfClass>INTER MUN BD ACT</titleOfClass>
         <cusip>72201R866</cusip>
         <value>30</value>
         <shrsOrPrnAmt>
             <sshPrnamt>594</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>594</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PORTLAND GEN ELEC CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>736508847</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>156</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>156</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74340W103</cusip>
         <value>180</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1774</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1774</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>747525103</cusip>
         <value>1744</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15438</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14728</Sole>
             <Shared>0</Shared>
             <None>710</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>QUALTRICS INTL INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>747601201</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RAPID7 INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>753422104</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>255</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>255</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REDWOOD TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>758075402</cusip>
         <value>109</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18903</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18553</Sole>
             <Shared>0</Shared>
             <None>350</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>760759100</cusip>
         <value>682</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5015</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5015</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RESIDEO TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>76118Y104</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>28</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROYAL BK CDA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>780087102</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>24</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RYANAIR HOLDINGS PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>783513203</cusip>
         <value>33</value>
         <shrsOrPrnAmt>
             <sshPrnamt>564</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>564</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
         <titleOfClass>TR UNIT</titleOfClass>
         <cusip>78462F103</cusip>
         <value>2263</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6335</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6335</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPS COMM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78463M107</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>80</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 600 SMCP GRW</titleOfClass>
         <cusip>78464A201</cusip>
         <value>27</value>
         <shrsOrPrnAmt>
             <sshPrnamt>403</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>403</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P REGL BKG</titleOfClass>
         <cusip>78464A698</cusip>
         <value>32</value>
         <shrsOrPrnAmt>
             <sshPrnamt>538</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>538</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>15</value>
         <shrsOrPrnAmt>
             <sshPrnamt>246</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>246</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
         <cusip>78464A839</cusip>
         <value>21</value>
         <shrsOrPrnAmt>
             <sshPrnamt>359</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>359</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806407102</cusip>
         <value>322</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4897</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4897</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US SML CAP ETF</titleOfClass>
         <cusip>808524607</cusip>
         <value>34</value>
         <shrsOrPrnAmt>
             <sshPrnamt>888</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>888</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INT-TRM U.S TRES</titleOfClass>
         <cusip>808524854</cusip>
         <value>800</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16271</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9377</Sole>
             <Shared>0</Shared>
             <None>6894</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>561</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11624</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6799</Sole>
             <Shared>0</Shared>
             <None>4825</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>269</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1891</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1858</Sole>
             <Shared>0</Shared>
             <None>33</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>453</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5467</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5415</Sole>
             <Shared>0</Shared>
             <None>52</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>RL EST SEL SEC</titleOfClass>
         <cusip>81369Y860</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>94</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>94</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>277</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1353</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1211</Sole>
             <Shared>0</Shared>
             <None>142</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIXTH STREET SPECIALTY LENDI</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83012A109</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>392</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>392</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMITH A O CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>831865209</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>133</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>133</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>83304A106</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>385</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>385</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STATE STR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>857477103</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>205</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>154</Sole>
             <Shared>0</Shared>
             <None>51</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SUN LIFE FINANCIAL INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>866796105</cusip>
         <value>21</value>
         <shrsOrPrnAmt>
             <sshPrnamt>529</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>529</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>874039100</cusip>
         <value>447</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6525</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6525</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TELEDYNE TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>879360105</cusip>
         <value>245</value>
         <shrsOrPrnAmt>
             <sshPrnamt>727</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>727</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TENET HEALTHCARE CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>88033G407</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>151</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>151</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TEVA PHARMACEUTICAL INDS LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>881624209</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>23</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>3-D SYS CORP DEL</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>88554D205</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>725</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>725</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TORTOISE ENERGY INFRA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89147L886</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>310</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>310</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRANSMEDICS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89377M109</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>34</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89417E109</cusip>
         <value>163</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1066</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1066</Sole>
             <Shared>0</Shared>
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         <cusip>896239100</cusip>
         <value>5</value>
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         <nameOfIssuer>TYLER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>57</value>
         <shrsOrPrnAmt>
             <sshPrnamt>165</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90384S303</cusip>
         <value>192</value>
         <shrsOrPrnAmt>
             <sshPrnamt>479</sshPrnamt>
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         <otherManager>3</otherManager>
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             <Sole>379</Sole>
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             <None>100</None>
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         <nameOfIssuer>UNITED AIRLS HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>910047109</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>249</sshPrnamt>
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             <Sole>249</Sole>
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         <nameOfIssuer>UNITED THERAPEUTICS CORP DEL</nameOfIssuer>
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         <cusip>91307C102</cusip>
         <value>14</value>
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         <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91324P102</cusip>
         <value>5314</value>
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             <sshPrnamt>10509</sshPrnamt>
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         <nameOfIssuer>VALVOLINE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>143</value>
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             <None>3151</None>
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         <value>21</value>
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         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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         <cusip>921937793</cusip>
         <value>1</value>
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             <sshPrnamt>17</sshPrnamt>
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         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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         <value>747</value>
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         <value>452</value>
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         <value>196</value>
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         <cusip>92204A702</cusip>
         <value>43</value>
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         <value>56</value>
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         <cusip>97717W703</cusip>
         <value>152</value>
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         <cusip>98139A105</cusip>
         <value>22</value>
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         <nameOfIssuer>XYLEM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98419M100</cusip>
         <value>528</value>
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         <cusip>G0176J109</cusip>
         <value>117</value>
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         <cusip>G0250X107</cusip>
         <value>161</value>
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         <nameOfIssuer>BIOHAVEN PHARMACTL HLDG CO L</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G11196105</cusip>
         <value>2</value>
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         <nameOfIssuer>BROOKFIELD INFRAST PARTNERS</nameOfIssuer>
         <titleOfClass>LP INT UNIT</titleOfClass>
         <cusip>G16252101</cusip>
         <value>82</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>2254</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G4705A100</cusip>
         <value>204</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1109</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1109</Sole>
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         <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G50871105</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</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>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5494J103</cusip>
         <value>2134</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7903</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>STERIS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G8473T100</cusip>
         <value>556</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3342</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2976</Sole>
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         <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <nameOfIssuer>ELASTIC N V</nameOfIssuer>
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         <value>6</value>
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         <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
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         <nameOfIssuer>STAR BULK CARRIERS CORP.</nameOfIssuer>
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         <cusip>Y8162K204</cusip>
         <value>40</value>
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         <nameOfIssuer>AGNC INVT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00123Q104</cusip>
         <value>232</value>
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         <nameOfIssuer>AES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00130H105</cusip>
         <value>23</value>
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             <None>0</None>
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         <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
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         <cusip>00162Q387</cusip>
         <value>7</value>
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         <nameOfIssuer>ARK ETF TR</nameOfIssuer>
         <titleOfClass>INNOVATION ETF</titleOfClass>
         <cusip>00214Q104</cusip>
         <value>50</value>
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         <nameOfIssuer>ACCOLADE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00437E102</cusip>
         <value>6</value>
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         <nameOfIssuer>ALBEMARLE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>012653101</cusip>
         <value>327</value>
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             <sshPrnamt>1237</sshPrnamt>
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         <nameOfIssuer>ALCOA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>013872106</cusip>
         <value>5</value>
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         <nameOfIssuer>ALLEGHANY CORP MD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>017175100</cusip>
         <value>1707</value>
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         <nameOfIssuer>AMC NETWORKS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>00164V103</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
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         <titleOfClass>CL A COM</titleOfClass>
         <cusip>00165C104</cusip>
         <value>0</value>
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         <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>002824100</cusip>
         <value>29095</value>
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         <otherManager>4</otherManager>
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         <nameOfIssuer>ACCELERATE DIAGNOSTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00430H102</cusip>
         <value>15</value>
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         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>000375204</cusip>
         <value>1482</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>001055102</cusip>
         <value>8785</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>00206R102</cusip>
         <value>13688</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>00287Y109</cusip>
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         <titleOfClass>CAP STK CL C</titleOfClass>
         <cusip>02079K107</cusip>
         <value>189728</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>025537101</cusip>
         <value>992</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>00846U101</cusip>
         <value>678</value>
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         <cusip>012348108</cusip>
         <value>12</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>030420103</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>031100100</cusip>
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         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>03524A108</cusip>
         <value>894</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>03662Q105</cusip>
         <value>4890</value>
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         <nameOfIssuer>APARTMENT INVT &amp; MGMT CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>03748R747</cusip>
         <value>102</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>00507V109</cusip>
         <value>405</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>00508Y102</cusip>
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         <nameOfIssuer>AEROJET ROCKETDYNE HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>007800105</cusip>
         <value>60</value>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>00912X302</cusip>
         <value>2</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ALASKA AIR GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>011659109</cusip>
         <value>150</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>ALERIAN MLP</titleOfClass>
         <cusip>00162Q452</cusip>
         <value>95</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>003261104</cusip>
         <value>14</value>
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         <value>10</value>
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         <value>1983</value>
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         <value>674</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>256746108</cusip>
         <value>198</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>260557103</cusip>
         <value>10109</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>264411505</cusip>
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         <cusip>125523100</cusip>
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         <value>57</value>
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         <cusip>25434V609</cusip>
         <value>1072</value>
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         <cusip>254709108</cusip>
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         <value>36</value>
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         <value>118</value>
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             <None>1669</None>
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         <value>1920</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>264</value>
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         <value>10</value>
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         <cusip>205887102</cusip>
         <value>4423</value>
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         <cusip>206787103</cusip>
         <value>7</value>
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         <cusip>217204106</cusip>
         <value>9</value>
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         <cusip>27826U108</cusip>
         <value>109</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>03957W106</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>231021106</cusip>
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         <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30225T102</cusip>
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             <None>5239</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>303250104</cusip>
         <value>1254</value>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>311900104</cusip>
         <value>2877</value>
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             <None>7580</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>053332102</cusip>
         <value>4001</value>
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         <cusip>055622104</cusip>
         <value>2417</value>
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         <nameOfIssuer>DARLING INGREDIENTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
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         <value>2380</value>
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             <None>118485</None>
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         <cusip>25434V831</cusip>
         <value>1592</value>
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         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
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         <cusip>25434V872</cusip>
         <value>819</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>2</value>
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         <value>26284</value>
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         <nameOfIssuer>EQUITRANS MIDSTREAM CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>15</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>29670G102</cusip>
         <value>273</value>
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             <None>565</None>
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         <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
         <titleOfClass>MSCI CONSM DIS</titleOfClass>
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         <value>1402</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>336433107</cusip>
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         <value>16</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>297178105</cusip>
         <value>1844</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>28</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>30161N101</cusip>
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         <nameOfIssuer>EXPEDITORS INTL WASH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>302130109</cusip>
         <value>667</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>30257X104</cusip>
         <value>803</value>
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         <nameOfIssuer>EATON VANCE LTD DURATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27828H105</cusip>
         <value>7</value>
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         <nameOfIssuer>ELANCO ANIMAL HEALTH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>28414H103</cusip>
         <value>30</value>
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         <cusip>29082K105</cusip>
         <value>112</value>
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         <nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>339041105</cusip>
         <value>22</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959J108</cusip>
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         <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>293792107</cusip>
         <value>45985</value>
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         <nameOfIssuer>EQUITY RESIDENTIAL</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>29476L107</cusip>
         <value>1591</value>
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         <nameOfIssuer>BK OF AMERICA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>060505104</cusip>
         <value>91193</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>063671101</cusip>
         <value>561</value>
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         <nameOfIssuer>INTEGER HLDGS CORP</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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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>27194</value>
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         <cusip>46435G524</cusip>
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         <cusip>46137V241</cusip>
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         <cusip>46138E263</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>59522J103</cusip>
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             <None>0</None>
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         <nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>03027X100</cusip>
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         <value>17</value>
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             <None>17000</None>
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         <value>12</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>390</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>74460D109</cusip>
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         <nameOfIssuer>RH</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>2</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
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         <cusip>759351604</cusip>
         <value>316</value>
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         <nameOfIssuer>RENAISSANCE CAP GREENWICH FD</nameOfIssuer>
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         <cusip>759937204</cusip>
         <value>5</value>
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         <nameOfIssuer>NEXTERA ENERGY PARTNERS LP</nameOfIssuer>
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         <cusip>65341B106</cusip>
         <value>1515</value>
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         <nameOfIssuer>NOKIA CORP</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>654902204</cusip>
         <value>79</value>
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         <cusip>50155Q100</cusip>
         <value>12</value>
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         <nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>512807108</cusip>
         <value>5797</value>
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             <None>7317</None>
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         <nameOfIssuer>LEGGETT &amp; PLATT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>524660107</cusip>
         <value>2510</value>
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         <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>776696106</cusip>
         <value>11803</value>
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         <nameOfIssuer>SEI INVTS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>784117103</cusip>
         <value>235</value>
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         <nameOfIssuer>BLUEPRINT MEDICINES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09627Y109</cusip>
         <value>1103</value>
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         <nameOfIssuer>BORGWARNER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>099724106</cusip>
         <value>310</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>3336</None>
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         <nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>101137107</cusip>
         <value>41157</value>
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         <nameOfIssuer>BROOKFIELD REAL ASSETS INCOM</nameOfIssuer>
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         <cusip>112830104</cusip>
         <value>2</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>116794108</cusip>
         <value>6</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>NUVEEN NEW YORK AMT QLT MUNI</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670656107</cusip>
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         <cusip>78463X533</cusip>
         <value>47</value>
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         <cusip>78464A201</cusip>
         <value>20</value>
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         <cusip>78464A474</cusip>
         <value>101</value>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78468R796</cusip>
         <value>260</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78473E103</cusip>
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         <cusip>785688102</cusip>
         <value>303</value>
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         <cusip>720190206</cusip>
         <value>7</value>
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         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
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         <cusip>72201R205</cusip>
         <value>51</value>
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         <value>178</value>
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             <None>700</None>
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         <value>8</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>167</value>
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         <value>117</value>
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             <None>43</None>
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             <None>9816</None>
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         <value>6787</value>
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         <value>27392</value>
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             <None>63358</None>
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         <cusip>891160509</cusip>
         <value>50</value>
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             <sshPrnamt>820</sshPrnamt>
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         <value>139</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>168</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>91347P105</cusip>
         <value>1606</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>655663102</cusip>
         <value>41</value>
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         <value>987</value>
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             <None>457</None>
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         <value>6</value>
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         <cusip>16119P108</cusip>
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         <value>6</value>
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         <cusip>169656105</cusip>
         <value>33589</value>
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         <nameOfIssuer>NUVEEN MUN HIGH INCOME OPPOR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670682103</cusip>
         <value>51</value>
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         <cusip>67070X101</cusip>
         <value>11</value>
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         <cusip>67075F105</cusip>
         <value>184</value>
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             <None>0</None>
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         <cusip>921932885</cusip>
         <value>7</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>50</Sole>
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             <None>0</None>
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         <cusip>922020805</cusip>
         <value>57</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>84</None>
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         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>GLB EX US ETF</titleOfClass>
         <cusip>922042676</cusip>
         <value>95</value>
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             <None>0</None>
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         <titleOfClass>CONSUM STP ETF</titleOfClass>
         <cusip>92204A207</cusip>
         <value>7979</value>
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             <None>46239</None>
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         <nameOfIssuer>OATLY GROUP AB</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>67421J108</cusip>
         <value>53</value>
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             <None>20000</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>680223104</cusip>
         <value>792</value>
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         <cusip>68389X105</cusip>
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             <None>49029</None>
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         <cusip>18539C204</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>22</None>
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         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>6360</value>
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             <None>1578</None>
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         <cusip>922908637</cusip>
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         <value>8014</value>
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         <nameOfIssuer>ROYCE VALUE TR INC</nameOfIssuer>
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         <cusip>H8817H100</cusip>
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         <nameOfIssuer>YANDEX N V</nameOfIssuer>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <value>41</value>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78464A763</cusip>
         <value>1046</value>
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         <value>19</value>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>80105N105</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>767744105</cusip>
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         <cusip>778296103</cusip>
         <value>83</value>
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         <nameOfIssuer>RYDER SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>783549108</cusip>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>466</value>
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     <infoTable>
         <nameOfIssuer>SERVICE PPTYS TR</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>81761L102</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>47387</value>
         <shrsOrPrnAmt>
             <sshPrnamt>125493</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>118354</Sole>
             <Shared>0</Shared>
             <None>7139</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
         <cusip>78464A409</cusip>
         <value>32</value>
         <shrsOrPrnAmt>
             <sshPrnamt>645</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>645</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 600 SML CAP</titleOfClass>
         <cusip>78464A813</cusip>
         <value>1160</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15323</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>12693</Sole>
             <Shared>0</Shared>
             <None>2630</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
         <cusip>78467Y107</cusip>
         <value>5355</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13332</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6364</Sole>
             <Shared>0</Shared>
             <None>6968</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG MU</titleOfClass>
         <cusip>78468R721</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>26</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>46</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>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>2897</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35650</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7678</Sole>
             <Shared>0</Shared>
             <None>27972</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>592</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4308</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3568</Sole>
             <Shared>0</Shared>
             <None>740</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP INC</nameOfIssuer>
         <titleOfClass>NOTE 0.750% 8/0</titleOfClass>
         <cusip>83304AAB2</cusip>
         <value>28</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32000</sshPrnamt>
             <sshPrnamtType>PRN</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>32000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOLAREDGE TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83417M104</cusip>
         <value>64649</value>
         <shrsOrPrnAmt>
             <sshPrnamt>279311</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>178480</Sole>
             <Shared>0</Shared>
             <None>100831</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONO TEK CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>835483108</cusip>
         <value>421</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>60000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LCAP VA ETF</titleOfClass>
         <cusip>808524409</cusip>
         <value>36</value>
         <shrsOrPrnAmt>
             <sshPrnamt>613</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>613</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US TIPS ETF</titleOfClass>
         <cusip>808524870</cusip>
         <value>4</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>51</value>
         <shrsOrPrnAmt>
             <sshPrnamt>375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>175</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>35</value>
         <shrsOrPrnAmt>
             <sshPrnamt>525</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>175</Sole>
             <Shared>0</Shared>
             <None>350</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>767</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25262</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11349</Sole>
             <Shared>0</Shared>
             <None>13913</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>351</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5361</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5043</Sole>
             <Shared>0</Shared>
             <None>318</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>854502101</cusip>
         <value>296</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3939</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2102</Sole>
             <Shared>0</Shared>
             <None>1837</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STIFEL FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>860630102</cusip>
         <value>91</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1760</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1760</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STMICROELECTRONICS N V</nameOfIssuer>
         <titleOfClass>NY REGISTRY</titleOfClass>
         <cusip>861012102</cusip>
         <value>1038</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33541</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8705</Sole>
             <Shared>0</Shared>
             <None>24836</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>745</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4968</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4768</Sole>
             <Shared>0</Shared>
             <None>200</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>29209</value>
         <shrsOrPrnAmt>
             <sshPrnamt>142657</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>76715</Sole>
             <Shared>0</Shared>
             <None>65942</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SILVERGATE CAP CORP</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82837P408</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>95</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>8528</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95024</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>48199</Sole>
             <Shared>0</Shared>
             <None>46825</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982L103</cusip>
         <value>115</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1100</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>83304A106</cusip>
         <value>15</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1546</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1096</Sole>
             <Shared>0</Shared>
             <None>450</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SYSCO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871829107</cusip>
         <value>6008</value>
         <shrsOrPrnAmt>
             <sshPrnamt>84971</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>31219</Sole>
             <Shared>0</Shared>
             <None>53752</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872540109</cusip>
         <value>84171</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1354976</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>784211</Sole>
             <Shared>0</Shared>
             <None>570765</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TAKEDA PHARMACEUTICAL CO LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>874060205</cusip>
         <value>50</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3880</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2834</Sole>
             <Shared>0</Shared>
             <None>1046</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TARGA RES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612G101</cusip>
         <value>312</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5167</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5167</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPERO THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>84833T103</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPROUTS FMRS MKT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>85208M102</cusip>
         <value>21</value>
         <shrsOrPrnAmt>
             <sshPrnamt>740</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>740</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>BLOCK INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>852234103</cusip>
         <value>432</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7858</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>759</Sole>
             <Shared>0</Shared>
             <None>7099</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>COMERICA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>200340107</cusip>
         <value>1044</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14680</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10568</Sole>
             <Shared>0</Shared>
             <None>4112</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CROWDSTRIKE HLDGS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>22788C105</cusip>
         <value>13415</value>
         <shrsOrPrnAmt>
             <sshPrnamt>81399</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>81399</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STARWOOD PPTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>85571B105</cusip>
         <value>392</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>21500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STATE STR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>857477103</cusip>
         <value>3584</value>
         <shrsOrPrnAmt>
             <sshPrnamt>58935</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>23024</Sole>
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             <None>35911</None>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>690</Sole>
             <Shared>0</Shared>
             <None>155936</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INTER TERM TREAS</titleOfClass>
         <cusip>92206C706</cusip>
         <value>37</value>
         <shrsOrPrnAmt>
             <sshPrnamt>630</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>169</Sole>
             <Shared>0</Shared>
             <None>461</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>11161</value>
         <shrsOrPrnAmt>
             <sshPrnamt>62191</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>52827</Sole>
             <Shared>0</Shared>
             <None>9364</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERACYTE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92337F107</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>20</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERISIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343E102</cusip>
         <value>2602</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14980</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>14980</None>
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     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>22341</value>
         <shrsOrPrnAmt>
             <sshPrnamt>588386</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>316300</Sole>
             <Shared>0</Shared>
             <None>272086</None>
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     <infoTable>
         <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>25243Q205</cusip>
         <value>7961</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46883</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>42051</Sole>
             <Shared>0</Shared>
             <None>4832</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US SMALL CAP VAL</titleOfClass>
         <cusip>25434V815</cusip>
         <value>658</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30217</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>30017</None>
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     <infoTable>
         <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256677105</cusip>
         <value>1203</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5015</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4855</Sole>
             <Shared>0</Shared>
             <None>160</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>131</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1967</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1967</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000GRW</titleOfClass>
         <cusip>92206C680</cusip>
         <value>46</value>
         <shrsOrPrnAmt>
             <sshPrnamt>846</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>846</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VENTAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92276F100</cusip>
         <value>17</value>
         <shrsOrPrnAmt>
             <sshPrnamt>418</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>104</Sole>
             <Shared>0</Shared>
             <None>314</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>116</value>
         <shrsOrPrnAmt>
             <sshPrnamt>954</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>915</Sole>
             <Shared>0</Shared>
             <None>39</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>3551</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24761</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>23450</Sole>
             <Shared>0</Shared>
             <None>1311</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VIATRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>304</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35716</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22804</Sole>
             <Shared>0</Shared>
             <None>12912</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WSFS FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929328102</cusip>
         <value>2639</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56803</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>56803</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PARAMOUNT GLOBAL</nameOfIssuer>
         <titleOfClass>CLASS B COM</titleOfClass>
         <cusip>92556H206</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>800</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106L109</cusip>
         <value>5457</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34059</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22512</Sole>
             <Shared>0</Shared>
             <None>11547</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WATSCO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>942622200</cusip>
         <value>148</value>
         <shrsOrPrnAmt>
             <sshPrnamt>575</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>575</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WESBANCO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>950810101</cusip>
         <value>102</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3050</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3050</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WESTERN UN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>959802109</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>400</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WHEELS UP EXPERIENCE INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>96328L106</cusip>
         <value>1</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>
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     <infoTable>
         <nameOfIssuer>VOYA GLBL EQTY DIV &amp; PREM OP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92912T100</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>333</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>333</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WIX COM LTD</nameOfIssuer>
         <titleOfClass>NOTE 7/0</titleOfClass>
         <cusip>92940WAB5</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>17000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WABTEC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929740108</cusip>
         <value>510</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6273</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6078</Sole>
             <Shared>0</Shared>
             <None>195</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WALMART INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931142103</cusip>
         <value>20303</value>
         <shrsOrPrnAmt>
             <sshPrnamt>156542</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>128162</Sole>
             <Shared>0</Shared>
             <None>28380</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WATTS WATER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>942749102</cusip>
         <value>55</value>
         <shrsOrPrnAmt>
             <sshPrnamt>440</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>440</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>949746101</cusip>
         <value>10507</value>
         <shrsOrPrnAmt>
             <sshPrnamt>261239</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>69009</Sole>
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             <None>192230</None>
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     <infoTable>
         <nameOfIssuer>WESTERN ASST INFLTN LKD INM</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>95766Q106</cusip>
         <value>30</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3333</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3333</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
         <titleOfClass>EMER MKT HIGH FD</titleOfClass>
         <cusip>97717W315</cusip>
         <value>1571</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48291</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8241</Sole>
             <Shared>0</Shared>
             <None>40050</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>YUM CHINA HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98850P109</cusip>
         <value>6956</value>
         <shrsOrPrnAmt>
             <sshPrnamt>146973</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>81005</Sole>
             <Shared>0</Shared>
             <None>65968</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98956P102</cusip>
         <value>19572</value>
         <shrsOrPrnAmt>
             <sshPrnamt>187202</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>122256</Sole>
             <Shared>0</Shared>
             <None>64946</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
         <titleOfClass>INTL MIDCAP DV</titleOfClass>
         <cusip>97717W778</cusip>
         <value>123</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2598</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1563</Sole>
             <Shared>0</Shared>
             <None>1035</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WYNN RESORTS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>983134107</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DEUTSCHE BANK A G</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>D18190898</cusip>
         <value>22</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AMCOR PLC</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G0250X107</cusip>
         <value>1905</value>
         <shrsOrPrnAmt>
             <sshPrnamt>177500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>177500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>BIOHAVEN PHARMACTL HLDG CO L</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G11196105</cusip>
         <value>463947</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3069041</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3069041</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G0692U109</cusip>
         <value>25</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>
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         <nameOfIssuer>BROOKFIELD RENEWABLE PARTNER</nameOfIssuer>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>150470</Sole>
             <Shared>0</Shared>
             <None>136524</None>
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     <infoTable>
         <nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>37940X102</cusip>
         <value>3263</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30203</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>28435</Sole>
             <Shared>0</Shared>
             <None>1768</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
         <titleOfClass>GLB X SUPERDIV</titleOfClass>
         <cusip>37950E549</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>BARCLAYS BANK PLC</nameOfIssuer>
         <titleOfClass>DJUBS CMDT ETN36</titleOfClass>
         <cusip>06738C778</cusip>
         <value>1967</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59756</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>57741</Sole>
             <Shared>0</Shared>
             <None>2015</None>
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     <infoTable>
         <nameOfIssuer>BARCLAYS PLC</nameOfIssuer>
         <titleOfClass>ADR</titleOfClass>
         <cusip>06738E204</cusip>
         <value>152</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23705</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3147</Sole>
             <Shared>0</Shared>
             <None>20558</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>BILIBILI INC</nameOfIssuer>
         <titleOfClass>NOTE 1.375% 4/0</titleOfClass>
         <cusip>090040AB2</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14000</sshPrnamt>
             <sshPrnamtType>PRN</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>14000</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>BIOSIG TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>09073N201</cusip>
         <value>27</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>41500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>BLACKLINE INC</nameOfIssuer>
         <titleOfClass>NOTE 0.125% 8/0</titleOfClass>
         <cusip>09239BAB5</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18000</sshPrnamt>
             <sshPrnamtType>PRN</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>18000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09857L108</cusip>
         <value>7863</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4785</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4713</Sole>
             <Shared>0</Shared>
             <None>72</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>BRIGHTHOUSE FINL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>10922N103</cusip>
         <value>56</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1301</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>878</Sole>
             <Shared>0</Shared>
             <None>423</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>BROWN &amp; BROWN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>115236101</cusip>
         <value>3810</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>63000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CBOE GLOBAL MKTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12503M108</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>134</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>134</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CTS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>126501105</cusip>
         <value>167</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CALIFORNIA WTR SVC GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>130788102</cusip>
         <value>93</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1760</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1760</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>133131102</cusip>
         <value>1487</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12451</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7607</Sole>
             <Shared>0</Shared>
             <None>4844</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CAMPBELL SOUP CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>134429109</cusip>
         <value>628</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13334</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4179</Sole>
             <Shared>0</Shared>
             <None>9155</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CANADIAN NAT RES LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>136385101</cusip>
         <value>128</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2741</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1236</Sole>
             <Shared>0</Shared>
             <None>1505</None>
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     <infoTable>
         <nameOfIssuer>CARMAX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>143130102</cusip>
         <value>84</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1266</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1266</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CENTERPOINT ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>15189T107</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>107</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>107</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CIENA CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>171779309</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>117</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>117</None>
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     <infoTable>
         <nameOfIssuer>CITIZENS FINL GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>174610105</cusip>
         <value>1254</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36484</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15792</Sole>
             <Shared>0</Shared>
             <None>20692</None>
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     <infoTable>
         <nameOfIssuer>CLEVELAND-CLIFFS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>185899101</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>156</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>156</None>
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     <infoTable>
         <nameOfIssuer>COASTAL FINL CORP WA</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>19046P209</cusip>
         <value>2981</value>
         <shrsOrPrnAmt>
             <sshPrnamt>75000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>75000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>COCA COLA CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>191216100</cusip>
         <value>30265</value>
         <shrsOrPrnAmt>
             <sshPrnamt>540256</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>414727</Sole>
             <Shared>0</Shared>
             <None>125529</None>
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     <infoTable>
         <nameOfIssuer>CORTEVA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>22052L104</cusip>
         <value>1810</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31663</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>14124</Sole>
             <Shared>0</Shared>
             <None>17539</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DANA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>235825205</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>20</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>235851102</cusip>
         <value>159109</value>
         <shrsOrPrnAmt>
             <sshPrnamt>616008</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>451938</Sole>
             <Shared>0</Shared>
             <None>164070</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>253868103</cusip>
         <value>11394</value>
         <shrsOrPrnAmt>
             <sshPrnamt>114877</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>87287</Sole>
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             <None>27590</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US SMALL CAP ETF</titleOfClass>
         <cusip>25434V500</cusip>
         <value>312</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6703</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>6373</Sole>
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             <None>330</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>NATL MUN BD ETF</titleOfClass>
         <cusip>25434V849</cusip>
         <value>1400</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>30000</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>26441C204</cusip>
         <value>8825</value>
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             <sshPrnamt>94874</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>37582</Sole>
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             <None>57292</None>
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     <infoTable>
         <nameOfIssuer>DUTCH BROS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>26701L100</cusip>
         <value>7</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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     <infoTable>
         <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
         <titleOfClass>US GLB JETS</titleOfClass>
         <cusip>26922A842</cusip>
         <value>1</value>
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             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>50</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>EASTMAN CHEM CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>277432100</cusip>
         <value>1168</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16437</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>13894</Sole>
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             <None>2543</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EBAY INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>278642103</cusip>
         <value>17</value>
         <shrsOrPrnAmt>
             <sshPrnamt>450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>450</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ELECTRONIC ARTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>285512109</cusip>
         <value>66</value>
         <shrsOrPrnAmt>
             <sshPrnamt>569</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>430</Sole>
             <Shared>0</Shared>
             <None>139</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>291011104</cusip>
         <value>21846</value>
         <shrsOrPrnAmt>
             <sshPrnamt>298356</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>158567</Sole>
             <Shared>0</Shared>
             <None>139789</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EVOLENT HEALTH INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>30050B101</cusip>
         <value>107</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2975</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2975</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EXACT SCIENCES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30063P105</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>626755102</cusip>
         <value>137</value>
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         <value>8</value>
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         <cusip>67092P607</cusip>
         <value>3384</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>807</value>
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         <value>69</value>
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         <nameOfIssuer>OMEGA HEALTHCARE INVS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>681936100</cusip>
         <value>36</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>69351T106</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>69478X105</cusip>
         <value>2980</value>
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         <value>43</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>700658107</cusip>
         <value>268</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>70438V106</cusip>
         <value>89</value>
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         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
         <titleOfClass>0-5 HIGH YIELD</titleOfClass>
         <cusip>72201R783</cusip>
         <value>1042</value>
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         <nameOfIssuer>PINDUODUO INC</nameOfIssuer>
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         <cusip>722304102</cusip>
         <value>13</value>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>72352L106</cusip>
         <value>49</value>
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         <nameOfIssuer>POOL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>73278L105</cusip>
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         <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74251V102</cusip>
         <value>52</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74340W103</cusip>
         <value>89598</value>
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         <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>744573106</cusip>
         <value>4053</value>
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         <nameOfIssuer>REGAL REXNORD CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>758750103</cusip>
         <value>2</value>
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         <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75886F107</cusip>
         <value>3927</value>
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         <nameOfIssuer>RESTAURANT BRANDS INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>76131D103</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>TR UNIT</titleOfClass>
         <cusip>78462F103</cusip>
         <value>47688</value>
         <shrsOrPrnAmt>
             <sshPrnamt>133513</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>123266</Sole>
             <Shared>0</Shared>
             <None>10247</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>S&amp;P INTL ETF</titleOfClass>
         <cusip>78463X772</cusip>
         <value>1756</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60984</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9391</Sole>
             <Shared>0</Shared>
             <None>51593</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
         <cusip>78464A375</cusip>
         <value>12</value>
         <shrsOrPrnAmt>
             <sshPrnamt>376</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>376</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
         <cusip>78468R408</cusip>
         <value>7</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>CINTAS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>172908105</cusip>
         <value>118275</value>
         <shrsOrPrnAmt>
             <sshPrnamt>304684</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>218066</Sole>
             <Shared>0</Shared>
             <None>86618</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CITIZENS &amp; NORTHN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>172922106</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>391</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>391</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CLOUDFLARE INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>18915M107</cusip>
         <value>494</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8938</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6004</Sole>
             <Shared>0</Shared>
             <None>2934</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>192446102</cusip>
         <value>640</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11139</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1640</Sole>
             <Shared>0</Shared>
             <None>9499</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SVB FINANCIAL GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78486Q101</cusip>
         <value>3540</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10544</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10527</Sole>
             <Shared>0</Shared>
             <None>17</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
         <cusip>808524706</cusip>
         <value>2158</value>
         <shrsOrPrnAmt>
             <sshPrnamt>96341</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>55</Sole>
             <Shared>0</Shared>
             <None>96286</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SCHWAB FDT US SC</titleOfClass>
         <cusip>808524763</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>307</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>307</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>227</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3420</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3200</Sole>
             <Shared>0</Shared>
             <None>220</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>32</value>
         <shrsOrPrnAmt>
             <sshPrnamt>465</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>265</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>1887</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15577</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15355</Sole>
             <Shared>0</Shared>
             <None>222</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>1201</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16680</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11714</Sole>
             <Shared>0</Shared>
             <None>4966</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>259</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3129</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3029</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>RL EST SEL SEC</titleOfClass>
         <cusip>81369Y860</cusip>
         <value>66</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1829</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1660</Sole>
             <Shared>0</Shared>
             <None>169</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVISFIRST BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81768T108</cusip>
         <value>4997</value>
         <shrsOrPrnAmt>
             <sshPrnamt>62457</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>62457</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHERN STS BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>843878307</cusip>
         <value>1226</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>45000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPIRIT RLTY CAP INC NEW</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>84860W300</cusip>
         <value>286</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7907</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6979</Sole>
             <Shared>0</Shared>
             <None>928</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STAG INDL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>85254J102</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>858119100</cusip>
         <value>38106</value>
         <shrsOrPrnAmt>
             <sshPrnamt>537087</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>381477</Sole>
             <Shared>0</Shared>
             <None>155610</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STOCK YDS BANCORP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>861025104</cusip>
         <value>13920</value>
         <shrsOrPrnAmt>
             <sshPrnamt>204676</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>204676</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871607107</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>30</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TFI INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87241L109</cusip>
         <value>1422</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15721</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3394</Sole>
             <Shared>0</Shared>
             <None>12327</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>COLUMBIA BKG SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>197236102</cusip>
         <value>1988</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68805</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>68805</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TERADYNE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>880770102</cusip>
         <value>310</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4129</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1375</Sole>
             <Shared>0</Shared>
             <None>2754</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TESLA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88160R101</cusip>
         <value>36201</value>
         <shrsOrPrnAmt>
             <sshPrnamt>136478</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>114490</Sole>
             <Shared>0</Shared>
             <None>21988</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THOMSON REUTERS CORP.</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>884903709</cusip>
         <value>323</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3149</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3149</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TOPBUILD CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89055F103</cusip>
         <value>310</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1879</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1850</Sole>
             <Shared>0</Shared>
             <None>29</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TORO CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>891092108</cusip>
         <value>2915</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33709</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>33709</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>892356106</cusip>
         <value>112</value>
         <shrsOrPrnAmt>
             <sshPrnamt>602</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>169</Sole>
             <Shared>0</Shared>
             <None>433</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89832Q109</cusip>
         <value>72454</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1664088</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>966648</Sole>
             <Shared>0</Shared>
             <None>697440</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TWILIO INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>90138F102</cusip>
         <value>771</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11151</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7637</Sole>
             <Shared>0</Shared>
             <None>3514</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TWITTER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90184L102</cusip>
         <value>62</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1425</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1425</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UFP INDUSTRIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90278Q108</cusip>
         <value>27</value>
         <shrsOrPrnAmt>
             <sshPrnamt>378</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>378</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>904767704</cusip>
         <value>2292</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52279</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>43892</Sole>
             <Shared>0</Shared>
             <None>8387</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>907818108</cusip>
         <value>96334</value>
         <shrsOrPrnAmt>
             <sshPrnamt>494477</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>372234</Sole>
             <Shared>0</Shared>
             <None>122243</None>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>WESTERN DIGITAL CORP.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>958102105</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>12</value>
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         <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
         <titleOfClass>US SMALLCAP DIVD</titleOfClass>
         <cusip>97717W604</cusip>
         <value>381</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>978097103</cusip>
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         <cusip>98138H101</cusip>
         <value>308</value>
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         <nameOfIssuer>XEROX HOLDINGS CORP</nameOfIssuer>
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         <cusip>98421M106</cusip>
         <value>2</value>
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         <nameOfIssuer>ASSURED GUARANTY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G0585R106</cusip>
         <value>68</value>
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         <nameOfIssuer>BUNGE LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G16962105</cusip>
         <value>8</value>
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         <nameOfIssuer>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G46188101</cusip>
         <value>241</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G491BT108</cusip>
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         <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G50871105</cusip>
         <value>207</value>
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         <nameOfIssuer>LIBERTY GLOBAL PLC</nameOfIssuer>
         <titleOfClass>SHS CL C</titleOfClass>
         <cusip>G5480U120</cusip>
         <value>54</value>
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         <cusip>G7709Q104</cusip>
         <value>44</value>
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         <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M22465104</cusip>
         <value>19</value>
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         <nameOfIssuer>NAVIOS MARITIME PARTNERS L P</nameOfIssuer>
         <titleOfClass>COM UNIT LPI</titleOfClass>
         <cusip>Y62267409</cusip>
         <value>219</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>DARDEN RESTAURANTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>237194105</cusip>
         <value>767</value>
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             <None>3000</None>
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         <nameOfIssuer>DENTSPLY SIRONA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>24906P109</cusip>
         <value>321</value>
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         <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25179M103</cusip>
         <value>47</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>252131107</cusip>
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         <titleOfClass>INTL CORE EQT MK</titleOfClass>
         <cusip>25434V203</cusip>
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         <titleOfClass>US EQUITY ETF</titleOfClass>
         <cusip>25434V401</cusip>
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         <cusip>25434V880</cusip>
         <value>209</value>
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             <None>0</None>
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         <cusip>25659T107</cusip>
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         <cusip>26622P107</cusip>
         <value>883</value>
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             <sshPrnamt>29226</sshPrnamt>
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             <None>9418</None>
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         <nameOfIssuer>ENTEGRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29362U104</cusip>
         <value>8</value>
         <shrsOrPrnAmt>
             <sshPrnamt>101</sshPrnamt>
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         <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30231G102</cusip>
         <value>131170</value>
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             <None>617597</None>
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         <nameOfIssuer>FS KKR CAP CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>302635206</cusip>
         <value>102</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>96</value>
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         <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
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         <cusip>316092501</cusip>
         <value>6433</value>
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         <cusip>316092600</cusip>
         <value>5990</value>
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             <None>103910</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>316773100</cusip>
         <value>5856</value>
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             <sshPrnamt>183226</sshPrnamt>
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             <None>46448</None>
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         <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32054K103</cusip>
         <value>18</value>
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             <None>407</None>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NY ARCA BIOTECH</titleOfClass>
         <cusip>33733E203</cusip>
         <value>513</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3884</sshPrnamt>
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         <nameOfIssuer>FIRST TR NASDAQ 100 TECH IND</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337345102</cusip>
         <value>6</value>
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             <sshPrnamt>60</sshPrnamt>
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         <nameOfIssuer>FLAHERTY &amp; CRUMRINE PFD INCO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33848E106</cusip>
         <value>13</value>
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             <sshPrnamt>1510</sshPrnamt>
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             <None>1510</None>
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         <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>345370860</cusip>
         <value>972</value>
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             <sshPrnamt>86819</sshPrnamt>
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             <None>46940</None>
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         <nameOfIssuer>FULTON FINL CORP PA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>360271100</cusip>
         <value>11</value>
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             <sshPrnamt>684</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>363576109</cusip>
         <value>165</value>
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             <sshPrnamt>962</sshPrnamt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GAMCO GLOBAL GOLD NAT RES &amp;</nameOfIssuer>
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         <cusip>36465A109</cusip>
         <value>1</value>
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             <sshPrnamt>375</sshPrnamt>
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         <nameOfIssuer>GARRETT MOTION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>366505105</cusip>
         <value>2</value>
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             <sshPrnamt>322</sshPrnamt>
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             <None>80</None>
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         <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>370334104</cusip>
         <value>11978</value>
         <shrsOrPrnAmt>
             <sshPrnamt>156351</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>GSK PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>37733W204</cusip>
         <value>1444</value>
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         <nameOfIssuer>GRAHAM HLDGS CO</nameOfIssuer>
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         <cusip>384637104</cusip>
         <value>27</value>
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         <nameOfIssuer>GUESS INC</nameOfIssuer>
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         <cusip>401617AD7</cusip>
         <value>12</value>
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         <nameOfIssuer>HBT FINL INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>404111106</cusip>
         <value>1089</value>
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         <nameOfIssuer>HALLIBURTON CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>406216101</cusip>
         <value>168</value>
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         <nameOfIssuer>HEICO CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>422806109</cusip>
         <value>447</value>
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             <None>620</None>
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         <nameOfIssuer>HELIOS TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>42328H109</cusip>
         <value>3</value>
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         <nameOfIssuer>HERITAGE COMM CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>426927109</cusip>
         <value>126</value>
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             <sshPrnamt>11115</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>11115</None>
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         <nameOfIssuer>HOST HOTELS &amp; RESORTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>44107P104</cusip>
         <value>16</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>HUBBELL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>443510607</cusip>
         <value>1081</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1212</None>
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         <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD</nameOfIssuer>
         <titleOfClass>OPTIMUM YIELD</titleOfClass>
         <cusip>46090F100</cusip>
         <value>143</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8843</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>INVESCO ADVANTAGE MUN INCOME</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>46132E103</cusip>
         <value>13</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1573</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>INVESCO MUNI INCOME OPP TRST</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46132X101</cusip>
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             <None>0</None>
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         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>WILDERHIL CLAN</titleOfClass>
         <cusip>46137V134</cusip>
         <value>509</value>
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             <None>6013</None>
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         <titleOfClass>S&amp;P 500 TOP 50</titleOfClass>
         <cusip>46137V233</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>488</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>INVESCO MSCI</titleOfClass>
         <cusip>46137V407</cusip>
         <value>2202</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>DYNMC LRG VALU</titleOfClass>
         <cusip>46137V738</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>PFD ETF</titleOfClass>
         <cusip>46138E511</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>142</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>KBW BK ETF</titleOfClass>
         <cusip>46138E628</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
             <sshPrnamt>295</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>295</Sole>
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             <None>0</None>
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         <titleOfClass>S&amp;P 500 REVENUE</titleOfClass>
         <cusip>46138G698</cusip>
         <value>27</value>
         <shrsOrPrnAmt>
             <sshPrnamt>400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>400</None>
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     <infoTable>
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         <titleOfClass>SOLAR ETF</titleOfClass>
         <cusip>46138G706</cusip>
         <value>1229</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16694</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9733</Sole>
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             <None>6961</None>
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     <infoTable>
         <nameOfIssuer>INVITATION HOMES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46187W107</cusip>
         <value>1277</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37814</sshPrnamt>
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         <otherManager>4</otherManager>
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             <None>526</None>
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         <nameOfIssuer>IQVIA HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46266C105</cusip>
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             <sshPrnamt>381963</sshPrnamt>
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             <None>152450</None>
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         <nameOfIssuer>ISHARES INC</nameOfIssuer>
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         <value>40</value>
         <shrsOrPrnAmt>
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             <None>4475</None>
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         <cusip>464286509</cusip>
         <value>16</value>
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             <sshPrnamt>527</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>464287242</cusip>
         <value>3301</value>
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             <sshPrnamt>32221</sshPrnamt>
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         <cusip>464287515</cusip>
         <value>9</value>
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         <cusip>464287671</cusip>
         <value>8</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>464287739</cusip>
         <value>63</value>
         <shrsOrPrnAmt>
             <sshPrnamt>775</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <None>325</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>464287838</cusip>
         <value>68</value>
         <shrsOrPrnAmt>
             <sshPrnamt>631</sshPrnamt>
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             <None>531</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>SHRT NAT MUN ETF</titleOfClass>
         <cusip>464288158</cusip>
         <value>6895</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67168</sshPrnamt>
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             <Sole>66697</Sole>
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             <None>471</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>NATIONAL MUN ETF</titleOfClass>
         <cusip>464288414</cusip>
         <value>4440</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43283</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>2</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBOXX HI YD ETF</titleOfClass>
         <cusip>464288513</cusip>
         <value>4498</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63010</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>31531</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MBS ETF</titleOfClass>
         <cusip>464288588</cusip>
         <value>1300</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14198</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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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
         <cusip>464288646</cusip>
         <value>71</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1439</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>159</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MSCI USA ESG SLC</titleOfClass>
         <cusip>464288802</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>18</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>U.S. MED DVC ETF</titleOfClass>
         <cusip>464288810</cusip>
         <value>71</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE MSCI TOTAL</titleOfClass>
         <cusip>46432F834</cusip>
         <value>8391</value>
         <shrsOrPrnAmt>
             <sshPrnamt>164792</sshPrnamt>
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         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>407</None>
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         <nameOfIssuer>ISHARES INC</nameOfIssuer>
         <titleOfClass>ESG AWR MSCI EM</titleOfClass>
         <cusip>46434G863</cusip>
         <value>516</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>14374</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE MSCI EURO</titleOfClass>
         <cusip>46434V738</cusip>
         <value>46</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1159</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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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ESG AWRE 1 5 YR</titleOfClass>
         <cusip>46435G243</cusip>
         <value>715</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30445</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>30445</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ESG AWARE MSCI</titleOfClass>
         <cusip>46435U663</cusip>
         <value>1446</value>
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             <sshPrnamt>47140</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>8261</Sole>
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             <None>38879</None>
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         <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46625H100</cusip>
         <value>151500</value>
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             <sshPrnamt>1449761</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>358170</None>
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         <nameOfIssuer>JETBLUE AWYS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>477143101</cusip>
         <value>16</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>2400</Sole>
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             <None>0</None>
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         <nameOfIssuer>KROGER CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>501044101</cusip>
         <value>8939</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>5924</None>
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         <nameOfIssuer>LANDSTAR SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>515098101</cusip>
         <value>70</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>486</Sole>
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             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>LAUDER ESTEE COS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>518439104</cusip>
         <value>96021</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>311931</Sole>
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             <None>132816</None>
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         <nameOfIssuer>LEAR CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>521865204</cusip>
         <value>7</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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         <nameOfIssuer>LENNAR CORP</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>526057104</cusip>
         <value>8</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>LIBERTY BROADBAND CORP</nameOfIssuer>
         <titleOfClass>COM SER C</titleOfClass>
         <cusip>530307305</cusip>
         <value>58</value>
         <shrsOrPrnAmt>
             <sshPrnamt>782</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>782</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>LIBERTY MEDIA CORP DEL</nameOfIssuer>
         <titleOfClass>COM SER A FRMLA</titleOfClass>
         <cusip>531229870</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>205</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>205</Sole>
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             <None>0</None>
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         <nameOfIssuer>LOWES COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>548661107</cusip>
         <value>38670</value>
         <shrsOrPrnAmt>
             <sshPrnamt>205900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>140194</Sole>
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             <None>65706</None>
         </votingAuthority>
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         <nameOfIssuer>MACERICH CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>554382101</cusip>
         <value>63</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7924</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7471</Sole>
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             <None>453</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>MAGELLAN MIDSTREAM PRTNRS LP</nameOfIssuer>
         <titleOfClass>COM UNIT RP LP</titleOfClass>
         <cusip>559080106</cusip>
         <value>8755</value>
         <shrsOrPrnAmt>
             <sshPrnamt>184280</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>183210</Sole>
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             <None>1070</None>
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         <nameOfIssuer>MAINSTAY MACKAY DEFINEDTERM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>56064K100</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1250</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>1250</None>
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     <infoTable>
         <nameOfIssuer>MANULIFE FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>56501R106</cusip>
         <value>103</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6576</sshPrnamt>
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         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3746</Sole>
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             <None>2830</None>
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     <infoTable>
         <nameOfIssuer>MIMEDX GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>602496101</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1</sshPrnamt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>MOODYS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>615369105</cusip>
         <value>213</value>
         <shrsOrPrnAmt>
             <sshPrnamt>877</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>877</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>617446448</cusip>
         <value>5028</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63640</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>57484</Sole>
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             <None>6156</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>MUELLER INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>624756102</cusip>
         <value>155</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2604</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>2604</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NVR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>62944T105</cusip>
         <value>36</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>9</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NETEASE INC</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>64110W102</cusip>
         <value>138</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1826</sshPrnamt>
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         <otherManager>4</otherManager>
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             <Sole>1086</Sole>
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             <None>740</None>
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     <infoTable>
         <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>65339F101</cusip>
         <value>151276</value>
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             <sshPrnamt>1929296</sshPrnamt>
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         <votingAuthority>
             <Sole>1549029</Sole>
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             <None>380267</None>
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     <infoTable>
         <nameOfIssuer>NICE LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>653656108</cusip>
         <value>1731</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9196</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7384</Sole>
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             <None>1812</None>
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     <infoTable>
         <nameOfIssuer>9 METERS BIOPHARMA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>654405109</cusip>
         <value>32</value>
         <shrsOrPrnAmt>
             <sshPrnamt>150000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>150000</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NORTHERN TR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>665859104</cusip>
         <value>446</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5214</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5014</Sole>
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             <None>200</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN SELECT MAT MUN FD</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>67061T101</cusip>
         <value>891</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100608</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>59608</Sole>
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             <None>41000</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN FLOATING RATE INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072T108</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>45</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67077M108</cusip>
         <value>21140</value>
         <shrsOrPrnAmt>
             <sshPrnamt>253534</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>216710</Sole>
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             <None>36824</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>674599105</cusip>
         <value>2878</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46833</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>45425</Sole>
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             <None>1408</None>
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     <infoTable>
         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>679580100</cusip>
         <value>16988</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68288</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>27548</Sole>
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             <None>40740</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ON SEMICONDUCTOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682189105</cusip>
         <value>42</value>
         <shrsOrPrnAmt>
             <sshPrnamt>670</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>557</Sole>
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             <None>113</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682680103</cusip>
         <value>747</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14581</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>14581</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OSHKOSH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>688239201</cusip>
         <value>158</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2246</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>1430</Sole>
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             <None>816</None>
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     <infoTable>
         <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693475105</cusip>
         <value>13477</value>
         <shrsOrPrnAmt>
             <sshPrnamt>90194</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>69887</Sole>
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             <None>20307</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PACCAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693718108</cusip>
         <value>1764</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21074</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10544</Sole>
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             <None>10530</None>
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     <infoTable>
         <nameOfIssuer>PAGERDUTY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69553P100</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>0</Sole>
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             <None>33</None>
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     <infoTable>
         <nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>701094104</cusip>
         <value>29003</value>
         <shrsOrPrnAmt>
             <sshPrnamt>119692</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>67496</Sole>
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             <None>52196</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PELOTON INTERACTIVE INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>70614W100</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PEMBINA PIPELINE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>706327103</cusip>
         <value>31</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1013</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1013</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PIMCO CORPORATE &amp; INCOME OPP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>72201B101</cusip>
         <value>18</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>750</Sole>
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             <None>750</None>
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     <infoTable>
         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
         <titleOfClass>ENHANCD SHORT</titleOfClass>
         <cusip>72201R643</cusip>
         <value>3015</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11450</Sole>
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             <None>19250</None>
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     <infoTable>
         <nameOfIssuer>POPULAR INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>733174700</cusip>
         <value>282</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3910</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1430</Sole>
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             <None>2480</None>
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     <infoTable>
         <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74144T108</cusip>
         <value>11057</value>
         <shrsOrPrnAmt>
             <sshPrnamt>105291</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>84497</Sole>
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             <None>20794</None>
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     <infoTable>
         <nameOfIssuer>Q2 HLDGS INC</nameOfIssuer>
         <titleOfClass>NOTE 0.750% 6/0</titleOfClass>
         <cusip>74736LAD1</cusip>
         <value>10</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>12000</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
         <value>26040</value>
         <shrsOrPrnAmt>
             <sshPrnamt>318101</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>198924</Sole>
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             <None>119177</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>7591EP100</cusip>
         <value>615</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30618</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>30618</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>REPLIGEN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>759916109</cusip>
         <value>9</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>50</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>DJ REIT ETF</titleOfClass>
         <cusip>78464A607</cusip>
         <value>65</value>
         <shrsOrPrnAmt>
             <sshPrnamt>774</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>610</Sole>
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             <None>164</None>
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     <infoTable>
         <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
         <titleOfClass>UT SER 1</titleOfClass>
         <cusip>78467X109</cusip>
         <value>397</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1383</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1305</Sole>
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             <None>78</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
         <cusip>78468R622</cusip>
         <value>77</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>881</Sole>
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             <None>1</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
         <value>2533</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27649</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>50</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
         <cusip>78468R853</cusip>
         <value>15</value>
         <shrsOrPrnAmt>
             <sshPrnamt>435</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
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         <value>225</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
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         <value>47</value>
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         <cusip>81369Y407</cusip>
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         <cusip>87911J103</cusip>
         <value>22</value>
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         <cusip>92206C771</cusip>
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         <cusip>922908736</cusip>
         <value>2815</value>
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         <value>217</value>
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         <cusip>97717X578</cusip>
         <value>18283</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>98936J101</cusip>
         <value>3</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>38</value>
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         <cusip>G0176J109</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>G6674U108</cusip>
         <value>11</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>G7496G103</cusip>
         <value>1741</value>
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         <cusip>G7S00T104</cusip>
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         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>H17182108</cusip>
         <value>667</value>
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         <cusip>N20944109</cusip>
         <value>198</value>
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         <cusip>Y2573F102</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>00123Q104</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>001084102</cusip>
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         <cusip>00162Q452</cusip>
         <value>364</value>
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         <cusip>00206R102</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>030420103</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>00790R104</cusip>
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         <nameOfIssuer>HERSHEY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>427866108</cusip>
         <value>1452</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6585</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6320</Sole>
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             <None>265</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>HESS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>42809H107</cusip>
         <value>984</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9027</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9000</Sole>
             <Shared>27</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>PFD SECS INC ETF</titleOfClass>
         <cusip>33739E108</cusip>
         <value>173</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10390</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1390</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FST LOW OPPT EFT</titleOfClass>
         <cusip>33739Q200</cusip>
         <value>256</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>400</Sole>
             <Shared>5000</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>437076102</cusip>
         <value>12813</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46435</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>36183</Sole>
             <Shared>3291</Shared>
             <None>6961</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>IDEXX LABS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45168D104</cusip>
         <value>566</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1736</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>16</Sole>
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             <None>1720</None>
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     <infoTable>
         <nameOfIssuer>INTUIT</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>461202103</cusip>
         <value>6586</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17004</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>14545</Sole>
             <Shared>2079</Shared>
             <None>380</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>FINL PFD ETF</titleOfClass>
         <cusip>46137V621</cusip>
         <value>188</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12480</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8730</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>37045V100</cusip>
         <value>477</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14858</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>14419</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>35671D857</cusip>
         <value>383</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14005</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>13958</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>IQVIA HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46266C105</cusip>
         <value>3264</value>
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             <sshPrnamt>18017</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>17931</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>372460105</cusip>
         <value>372</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2492</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>2361</Sole>
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             <None>131</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>RUS MD CP GR ETF</titleOfClass>
         <cusip>464287481</cusip>
         <value>552</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7040</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>6128</Sole>
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             <None>912</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>RUS MID CAP ETF</titleOfClass>
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         <value>2878</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46305</sshPrnamt>
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         <votingAuthority>
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             <None>614</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
         <cusip>464287598</cusip>
         <value>1465</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10777</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>S&amp;P MC 400GR ETF</titleOfClass>
         <cusip>464287606</cusip>
         <value>590</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9355</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>8254</Sole>
             <Shared>1101</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
         <cusip>464287614</cusip>
         <value>5861</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27856</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>U.S. REAL ES ETF</titleOfClass>
         <cusip>464287739</cusip>
         <value>442</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5425</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>464287796</cusip>
         <value>206</value>
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             <sshPrnamt>5250</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>SP SMCP600VL ETF</titleOfClass>
         <cusip>464287879</cusip>
         <value>1206</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14626</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>INTL SEL DIV ETF</titleOfClass>
         <cusip>464288448</cusip>
         <value>4750</value>
         <shrsOrPrnAmt>
             <sshPrnamt>210857</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>3 7 YR TREAS BD</titleOfClass>
         <cusip>464288661</cusip>
         <value>1062</value>
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             <sshPrnamt>9299</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>GLOBE LIFE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>37959E102</cusip>
         <value>1545</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MSCI USA MIN VOL</titleOfClass>
         <cusip>46429B697</cusip>
         <value>2666</value>
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             <sshPrnamt>40330</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
         <titleOfClass>EQUITY PREMIUM</titleOfClass>
         <cusip>46641Q332</cusip>
         <value>515</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>IAC INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>44891N208</cusip>
         <value>214</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>3862</Sole>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>TIPS BD ETF</titleOfClass>
         <cusip>464287176</cusip>
         <value>634</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6052</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>4927</Sole>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
         <cusip>464287234</cusip>
         <value>1378</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>34296</Sole>
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         <nameOfIssuer>KROGER CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>501044101</cusip>
         <value>267</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>452308109</cusip>
         <value>1185</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>812</None>
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         <nameOfIssuer>INTEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>458140100</cusip>
         <value>1697</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>57024</Sole>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>GLOBAL ENERG ETF</titleOfClass>
         <cusip>464287341</cusip>
         <value>613</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>18400</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>1 3 YR TREAS BD</titleOfClass>
         <cusip>464287457</cusip>
         <value>208</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2560</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
         <cusip>464287630</cusip>
         <value>497</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>115</None>
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     <infoTable>
         <nameOfIssuer>LORDSTOWN MOTORS CORP</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>54405Q100</cusip>
         <value>37</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>20000</Sole>
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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>1902</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26636</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>24504</Sole>
             <Shared>2132</Shared>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>FLTG RATE NT ETF</titleOfClass>
         <cusip>46429B655</cusip>
         <value>1022</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20340</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18840</Sole>
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     <infoTable>
         <nameOfIssuer>ISHARES U S ETF TR</nameOfIssuer>
         <titleOfClass>GSCI CMDTY STGY</titleOfClass>
         <cusip>46431W853</cusip>
         <value>369</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10337</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>59156R108</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>608</value>
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         <nameOfIssuer>PPG INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693506107</cusip>
         <value>1678</value>
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             <sshPrnamt>15161</sshPrnamt>
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             <Sole>14039</Sole>
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             <None>0</None>
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         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>2499</value>
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             <sshPrnamt>14657</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10465</Sole>
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             <None>4192</None>
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     <infoTable>
         <nameOfIssuer>VIRTU FINL INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>928254101</cusip>
         <value>463</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22283</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>22283</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PFIZER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>717081103</cusip>
         <value>9152</value>
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             <sshPrnamt>209157</sshPrnamt>
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             <Sole>172484</Sole>
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             <None>15475</None>
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         <nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>723787107</cusip>
         <value>1702</value>
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             <sshPrnamt>7863</sshPrnamt>
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             <Sole>7574</Sole>
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             <None>0</None>
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         <nameOfIssuer>POLARIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>731068102</cusip>
         <value>276</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2887</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1017</Sole>
             <Shared>1870</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74340W103</cusip>
         <value>6901</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67926</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>66785</Sole>
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             <None>500</None>
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     <infoTable>
         <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>744573106</cusip>
         <value>250</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4442</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4092</Sole>
             <Shared>350</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74834L100</cusip>
         <value>211</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1717</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>570</Sole>
             <Shared>1147</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>756109104</cusip>
         <value>585</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10050</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6050</Sole>
             <Shared>4000</Shared>
             <None>0</None>
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         <nameOfIssuer>RELIANCE STEEL &amp; ALUMINUM CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>759509102</cusip>
         <value>513</value>
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             <sshPrnamt>2940</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>0</Sole>
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             <None>2940</None>
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         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>708</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9053</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>8512</Sole>
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             <None>86</None>
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     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>254</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4359</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>2806</Sole>
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             <None>211</None>
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     <infoTable>
         <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>776696106</cusip>
         <value>692</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1925</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>1921</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>421</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2721</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>1921</Sole>
             <Shared>800</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
         <cusip>78464A763</cusip>
         <value>561</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5034</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4487</Sole>
             <Shared>547</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74460D109</cusip>
         <value>299</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1020</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1020</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>RAYONIER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>754907103</cusip>
         <value>222</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7403</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>2015</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>760759100</cusip>
         <value>323</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>2375</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>1630</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33777</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>33533</Sole>
             <Shared>244</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
         <value>41516</value>
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             <sshPrnamt>135963</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>374</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2497</sshPrnamt>
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             <Sole>2467</Sole>
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     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>939</value>
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             <Sole>2416</Sole>
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     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>1296</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6330</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>6315</Sole>
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     <infoTable>
         <nameOfIssuer>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>298</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
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         <cusip>806857108</cusip>
         <value>429</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>545</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8157</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>5157</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>857</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11910</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>854502101</cusip>
         <value>248</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3300</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>3296</Sole>
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     <infoTable>
         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
         <value>3078</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36536</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>29061</Sole>
             <Shared>3237</Shared>
             <None>4238</None>
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     <infoTable>
         <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>1211</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8808</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4194</Sole>
             <Shared>4400</Shared>
             <None>214</None>
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     <infoTable>
         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>372</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1850</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>756</Sole>
             <Shared>1094</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SOLAREDGE TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83417M104</cusip>
         <value>1793</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7746</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7706</Sole>
             <Shared>40</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>842587107</cusip>
         <value>2466</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36267</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>32765</Sole>
             <Shared>3502</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SUMMIT FINL GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>86606G101</cusip>
         <value>254</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9429</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9429</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>COSTAR GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>22160N109</cusip>
         <value>913</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13113</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>199</Sole>
             <Shared>50</Shared>
             <None>12864</None>
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     <infoTable>
         <nameOfIssuer>STERICYCLE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>858912108</cusip>
         <value>212</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5020</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5020</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TESLA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88160R101</cusip>
         <value>816</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3074</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3074</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>874039100</cusip>
         <value>481</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7004</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5470</Sole>
             <Shared>125</Shared>
             <None>1409</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TELEFLEX INCORPORATED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>879369106</cusip>
         <value>2346</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11645</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>11293</Sole>
             <Shared>127</Shared>
             <None>225</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>3M CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88579Y101</cusip>
         <value>3043</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27541</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>20426</Sole>
             <Shared>3962</Shared>
             <None>3153</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DTE ENERGY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>233331107</cusip>
         <value>562</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4891</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4891</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>244199105</cusip>
         <value>3175</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9509</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7649</Sole>
             <Shared>1639</Shared>
             <None>221</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89417E109</cusip>
         <value>1049</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6844</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6001</Sole>
             <Shared>843</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TREX CO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89531P105</cusip>
         <value>330</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7505</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7043</Sole>
             <Shared>0</Shared>
             <None>462</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>904767704</cusip>
         <value>755</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17230</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>16432</Sole>
             <Shared>798</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
         <value>11542</value>
         <shrsOrPrnAmt>
             <sshPrnamt>317435</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>307359</Sole>
             <Shared>10076</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITED THERAPEUTICS CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91307C102</cusip>
         <value>678</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3240</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>3240</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>V F CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>918204108</cusip>
         <value>925</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30918</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>30918</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>HIGH YLD MUNIETF</titleOfClass>
         <cusip>92189H409</cusip>
         <value>641</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12825</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>11000</Sole>
             <Shared>1825</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>SHORT TRM BOND</titleOfClass>
         <cusip>921937827</cusip>
         <value>4612</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61645</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>58125</Sole>
             <Shared>3520</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>9986</value>
         <shrsOrPrnAmt>
             <sshPrnamt>140005</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>138890</Sole>
             <Shared>1115</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>27517</value>
         <shrsOrPrnAmt>
             <sshPrnamt>290022</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>146830</Sole>
             <Shared>142750</Shared>
             <None>442</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>GLB EX US ETF</titleOfClass>
         <cusip>922042676</cusip>
         <value>571</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14965</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>14185</Sole>
             <Shared>780</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
         <value>235</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1050</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1050</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>5822</value>
         <shrsOrPrnAmt>
             <sshPrnamt>78372</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>71398</Sole>
             <Shared>4742</Shared>
             <None>2232</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>8930</value>
         <shrsOrPrnAmt>
             <sshPrnamt>73340</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>48337</Sole>
             <Shared>24951</Shared>
             <None>52</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>1007</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5613</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4648</Sole>
             <Shared>0</Shared>
             <None>965</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US TARGETED VLU</titleOfClass>
         <cusip>25434V609</cusip>
         <value>541</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13874</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9246</Sole>
             <Shared>4628</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>222</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2975</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2975</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
         <value>5536</value>
         <shrsOrPrnAmt>
             <sshPrnamt>73148</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>67968</Sole>
             <Shared>2615</Shared>
             <None>2565</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>2602</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32446</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>30248</Sole>
             <Shared>2198</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>4160</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29005</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18887</Sole>
             <Shared>10095</Shared>
             <None>23</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>4374</value>
         <shrsOrPrnAmt>
             <sshPrnamt>115201</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>105494</Sole>
             <Shared>9331</Shared>
             <None>376</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929160109</cusip>
         <value>2076</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13168</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7227</Sole>
             <Shared>81</Shared>
             <None>5860</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WALMART INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931142103</cusip>
         <value>5112</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39419</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>33365</Sole>
             <Shared>4143</Shared>
             <None>1911</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WASTE CONNECTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106B101</cusip>
         <value>2173</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16082</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5995</Sole>
             <Shared>0</Shared>
             <None>10087</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WILLSCOT MOBIL MINI HLDNG CO</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>971378104</cusip>
         <value>536</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13281</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>13281</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98956P102</cusip>
         <value>1415</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13527</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>13521</Sole>
             <Shared>6</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WOODWARD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>980745103</cusip>
         <value>496</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6177</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6177</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ZOETIS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>98978V103</cusip>
         <value>921</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6211</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5289</Sole>
             <Shared>811</Shared>
             <None>111</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ASSURED GUARANTY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G0585R106</cusip>
         <value>218</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>5772</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43280</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>41589</Sole>
             <Shared>1691</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
         <value>347</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2316</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2316</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29364G103</cusip>
         <value>313</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3107</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1668</Sole>
             <Shared>1439</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EQUINIX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29444U700</cusip>
         <value>1339</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>BWX TECHNOLOGIES INC</nameOfIssuer>
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         <value>989</value>
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         <cusip>31866P102</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>032654105</cusip>
         <value>1953</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>038222105</cusip>
         <value>817</value>
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         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
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         <value>552</value>
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         <value>1552</value>
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         <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>053015103</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>189054109</cusip>
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         <cusip>254709108</cusip>
         <value>486</value>
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         <cusip>26484T106</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>278865100</cusip>
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         <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
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         <cusip>33733B100</cusip>
         <value>435</value>
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             <Sole>3515</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>494368103</cusip>
         <value>1107</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9835</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5781</Sole>
             <Shared>3503</Shared>
             <None>551</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LENNAR CORP</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>526057104</cusip>
         <value>654</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8775</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8775</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MARRIOTT INTL INC NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>571903202</cusip>
         <value>2604</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18579</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>14579</Sole>
             <Shared>0</Shared>
             <None>4000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MASCO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>574599106</cusip>
         <value>727</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15578</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>15578</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>57636Q104</cusip>
         <value>6234</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21926</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7395</Sole>
             <Shared>485</Shared>
             <None>14046</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>58155Q103</cusip>
         <value>440</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1296</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1287</Sole>
             <Shared>9</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MOODYS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>615369105</cusip>
         <value>856</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3519</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>468</Sole>
             <Shared>0</Shared>
             <None>3051</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUCOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670346105</cusip>
         <value>937</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8762</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8762</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
         <value>3448</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28405</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>23248</Sole>
             <Shared>5030</Shared>
             <None>127</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>679580100</cusip>
         <value>1476</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5931</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1581</Sole>
             <Shared>4350</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PACCAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693718108</cusip>
         <value>636</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7604</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7604</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>697435105</cusip>
         <value>2512</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15335</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>13208</Sole>
             <Shared>2004</Shared>
             <None>123</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>704326107</cusip>
         <value>648</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5774</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3516</Sole>
             <Shared>2258</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>718172109</cusip>
         <value>2567</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30930</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>29494</Sole>
             <Shared>1256</Shared>
             <None>180</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>742718109</cusip>
         <value>10258</value>
         <shrsOrPrnAmt>
             <sshPrnamt>81251</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>67266</Sole>
             <Shared>7462</Shared>
             <None>6523</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHELL PLC</nameOfIssuer>
         <titleOfClass>SPON ADS</titleOfClass>
         <cusip>780259305</cusip>
         <value>2249</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45180</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>45031</Sole>
             <Shared>149</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>SPDR TR TACTIC</titleOfClass>
         <cusip>78467V848</cusip>
         <value>428</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10650</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10650</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CHURCH &amp; DWIGHT CO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>171340102</cusip>
         <value>898</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12570</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>12207</Sole>
             <Shared>0</Shared>
             <None>363</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CITIZENS FINL GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>174610105</cusip>
         <value>783</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22813</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7271</Sole>
             <Shared>536</Shared>
             <None>15006</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LRG CAP ETF</titleOfClass>
         <cusip>808524201</cusip>
         <value>248</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5862</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5862</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>546</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4509</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2632</Sole>
             <Shared>1877</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>633</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20855</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>20855</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>1087</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13119</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>12855</Sole>
             <Shared>264</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONY GROUP CORPORATION</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>835699307</cusip>
         <value>250</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3897</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3188</Sole>
             <Shared>709</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>858119100</cusip>
         <value>2936</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41380</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>41332</Sole>
             <Shared>48</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
         <value>2959</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14609</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10288</Sole>
             <Shared>321</Shared>
             <None>4000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>194162103</cusip>
         <value>1239</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17636</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>14805</Sole>
             <Shared>2498</Shared>
             <None>333</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>20030N101</cusip>
         <value>3509</value>
         <shrsOrPrnAmt>
             <sshPrnamt>119653</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>99268</Sole>
             <Shared>18221</Shared>
             <None>2164</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>COMMERCE BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>200525103</cusip>
         <value>628</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9499</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1527</Sole>
             <Shared>7972</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>21036P108</cusip>
         <value>402</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1750</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1382</Sole>
             <Shared>368</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>COPART INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>217204106</cusip>
         <value>764</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7181</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6937</Sole>
             <Shared>244</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872590104</cusip>
         <value>550</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4096</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4004</Sole>
             <Shared>92</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>89151E109</cusip>
         <value>304</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6528</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4795</Sole>
             <Shared>323</Shared>
             <None>1410</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
         <titleOfClass>DIV APP ETF</titleOfClass>
         <cusip>921908844</cusip>
         <value>9796</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72477</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>65357</Sole>
             <Shared>7120</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>INTERMED TERM</titleOfClass>
         <cusip>921937819</cusip>
         <value>2654</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36128</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>33448</Sole>
             <Shared>2680</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>ALLWRLD EX US</titleOfClass>
         <cusip>922042775</cusip>
         <value>952</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21469</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18279</Sole>
             <Shared>3190</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>3595</value>
         <shrsOrPrnAmt>
             <sshPrnamt>98520</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>93826</Sole>
             <Shared>4694</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>INF TECH ETF</titleOfClass>
         <cusip>92204A702</cusip>
         <value>242</value>
         <shrsOrPrnAmt>
             <sshPrnamt>790</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>72201R775</cusip>
         <value>4775</value>
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         <value>434</value>
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         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>747</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8317</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8087</Sole>
             <Shared>200</Shared>
             <None>30</None>
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     <infoTable>
         <nameOfIssuer>STATE STR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>857477103</cusip>
         <value>265</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4361</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4339</Sole>
             <Shared>22</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TARGET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612E106</cusip>
         <value>2088</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14070</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8766</Sole>
             <Shared>2204</Shared>
             <None>3100</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>882508104</cusip>
         <value>2534</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16370</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>15931</Sole>
             <Shared>439</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TRIMBLE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>896239100</cusip>
         <value>684</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12601</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>12601</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>902973304</cusip>
         <value>4133</value>
         <shrsOrPrnAmt>
             <sshPrnamt>102529</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>92030</Sole>
             <Shared>5074</Shared>
             <None>5425</None>
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     <infoTable>
         <nameOfIssuer>CORNING INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>219350105</cusip>
         <value>544</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18734</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10677</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>22160K105</cusip>
         <value>9203</value>
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             <sshPrnamt>19486</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>17122</Sole>
             <Shared>402</Shared>
             <None>1962</None>
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     <infoTable>
         <nameOfIssuer>CULLEN FROST BANKERS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>229899109</cusip>
         <value>288</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2184</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>1131</Sole>
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             <None>710</None>
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         <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>911312106</cusip>
         <value>4587</value>
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             <sshPrnamt>28396</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18140</Sole>
             <Shared>5774</Shared>
             <None>4482</None>
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         <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>919794107</cusip>
         <value>162</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>15000</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>388</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5825</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>5825</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>5648</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45741</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>34800</Sole>
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             <None>0</None>
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         <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92939U106</cusip>
         <value>664</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7426</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1326</Sole>
             <Shared>6100</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106L109</cusip>
         <value>1659</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10352</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8176</Sole>
             <Shared>997</Shared>
             <None>1179</None>
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         <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>949746101</cusip>
         <value>2468</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61347</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>45420</Sole>
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             <None>15000</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WILLIAMS COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>969457100</cusip>
         <value>778</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27167</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18067</Sole>
             <Shared>9100</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>WORKIVA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>98139A105</cusip>
         <value>294</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3782</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3782</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>YUM CHINA HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98850P109</cusip>
         <value>462</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9767</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9717</Sole>
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             <None>50</None>
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     <infoTable>
         <nameOfIssuer>AON PLC</nameOfIssuer>
         <titleOfClass>SHS CL A</titleOfClass>
         <cusip>G0403H108</cusip>
         <value>3649</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13620</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>13286</Sole>
             <Shared>200</Shared>
             <None>134</None>
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     <infoTable>
         <nameOfIssuer>CLARIVATE PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G21810109</cusip>
         <value>420</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44749</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>44749</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>619</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4278</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1278</Sole>
             <Shared>3000</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>5871</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32282</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>30112</Sole>
             <Shared>1410</Shared>
             <None>760</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIANA SHIPPING INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>Y2066G104</cusip>
         <value>40</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>11000</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US EQUITY ETF</titleOfClass>
         <cusip>25434V401</cusip>
         <value>686</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17673</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>17673</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US CORE EQUITY 2</titleOfClass>
         <cusip>25434V708</cusip>
         <value>677</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30437</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>19463</Sole>
             <Shared>10974</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254687106</cusip>
         <value>7184</value>
         <shrsOrPrnAmt>
             <sshPrnamt>76152</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>58728</Sole>
             <Shared>8862</Shared>
             <None>8562</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DISH NETWORK CORPORATION</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>25470M109</cusip>
         <value>342</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24751</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>24751</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DOLLAR TREE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256746108</cusip>
         <value>212</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1555</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1078</Sole>
             <Shared>477</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DUKE REALTY CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>264411505</cusip>
         <value>268</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5555</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5555</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FASTENAL CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>311900104</cusip>
         <value>1560</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33884</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7028</Sole>
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             <None>17267</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR ENH NEW</titleOfClass>
         <cusip>33739Q408</cusip>
         <value>397</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6687</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5175</Sole>
             <Shared>1512</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959J108</cusip>
         <value>972</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16671</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>12194</Sole>
             <Shared>70</Shared>
             <None>4407</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>38141G104</cusip>
         <value>2424</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8273</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7673</Sole>
             <Shared>600</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GRACO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>384109104</cusip>
         <value>231</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3866</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1782</Sole>
             <Shared>1925</Shared>
             <None>159</None>
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     <infoTable>
         <nameOfIssuer>HOLOGIC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>436440101</cusip>
         <value>469</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7264</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7264</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45866F104</cusip>
         <value>891</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9865</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9737</Sole>
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             <None>128</None>
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     <infoTable>
         <nameOfIssuer>INTRA-CELLULAR THERAPIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46116X101</cusip>
         <value>489</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10500</Sole>
             <Shared>0</Shared>
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         <cusip>81369Y209</cusip>
         <value>416</value>
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         <cusip>148806102</cusip>
         <value>264</value>
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         <value>217</value>
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         <value>325</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>213</value>
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         <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89832Q109</cusip>
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         <value>216</value>
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         <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE</nameOfIssuer>
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         <cusip>701094104</cusip>
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         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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         <cusip>808524797</cusip>
         <value>1238</value>
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         <cusip>N6596X109</cusip>
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         <value>532</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78486Q101</cusip>
         <value>630</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78573M104</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
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         <cusip>81369Y803</cusip>
         <value>373</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>883556102</cusip>
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         <value>1136</value>
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         <value>198</value>
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         <value>235</value>
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         <value>6886</value>
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         <value>226</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>1185</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>288</value>
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         <value>85</value>
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         <cusip>874054109</cusip>
         <value>487</value>
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         <value>267</value>
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         <nameOfIssuer>CHARLES RIV LABS INTL INC</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>464287242</cusip>
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         <cusip>464287309</cusip>
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         <cusip>464287432</cusip>
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         <cusip>88579Y101</cusip>
         <value>99427</value>
         <shrsOrPrnAmt>
             <sshPrnamt>899795</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>866969</Sole>
             <Shared>0</Shared>
             <None>32826</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>744320102</cusip>
         <value>46</value>
         <shrsOrPrnAmt>
             <sshPrnamt>533</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>533</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TORONTO DOMINION BK ONT</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>891160509</cusip>
         <value>18</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>UNITED PARCEL SERVICE INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>911312106</cusip>
         <value>64</value>
         <shrsOrPrnAmt>
             <sshPrnamt>399</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>399</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>911363109</cusip>
         <value>1</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>NOVO-NORDISK A S</nameOfIssuer>
         <titleOfClass>ADR</titleOfClass>
         <cusip>670100205</cusip>
         <value>62</value>
         <shrsOrPrnAmt>
             <sshPrnamt>623</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>623</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUCOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670346105</cusip>
         <value>138</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>V F CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>918204108</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>48</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CIENA CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>171779309</cusip>
         <value>3</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>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>17275R102</cusip>
         <value>34989</value>
         <shrsOrPrnAmt>
             <sshPrnamt>874716</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>836334</Sole>
             <Shared>0</Shared>
             <None>38382</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CITIZENS FINL GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>174610105</cusip>
         <value>104</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3037</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>3037</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682680103</cusip>
         <value>22</value>
         <shrsOrPrnAmt>
             <sshPrnamt>420</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>420</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>922475108</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>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>14</value>
         <shrsOrPrnAmt>
             <sshPrnamt>114</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>114</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>68622V106</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>30</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>955306105</cusip>
         <value>7</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>PRICE T ROWE GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74144T108</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>18</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>WOLFSPEED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>977852102</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>15</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WORKIVA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>98139A105</cusip>
         <value>1</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>PROLOGIS INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74340W103</cusip>
         <value>52</value>
         <shrsOrPrnAmt>
             <sshPrnamt>508</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>508</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>988498101</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G02602103</cusip>
         <value>32460</value>
         <shrsOrPrnAmt>
             <sshPrnamt>408554</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>390780</Sole>
             <Shared>0</Shared>
             <None>17774</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>747525103</cusip>
         <value>21</value>
         <shrsOrPrnAmt>
             <sshPrnamt>182</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>182</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>2</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>FERRARI N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N3167Y103</cusip>
         <value>2</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>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>21</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
         <value>8663</value>
         <shrsOrPrnAmt>
             <sshPrnamt>94573</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>93357</Sole>
             <Shared>0</Shared>
             <None>1216</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>760759100</cusip>
         <value>115</value>
         <shrsOrPrnAmt>
             <sshPrnamt>843</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>709</Sole>
             <Shared>0</Shared>
             <None>134</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>44</value>
         <shrsOrPrnAmt>
             <sshPrnamt>917</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>917</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>7379</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51803</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>48773</Sole>
             <Shared>0</Shared>
             <None>3030</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>773903109</cusip>
         <value>67</value>
         <shrsOrPrnAmt>
             <sshPrnamt>313</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>313</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>10013</value>
         <shrsOrPrnAmt>
             <sshPrnamt>329802</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>313241</Sole>
             <Shared>0</Shared>
             <None>16561</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>8874</value>
         <shrsOrPrnAmt>
             <sshPrnamt>107127</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>101541</Sole>
             <Shared>0</Shared>
             <None>5586</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>DJ REIT ETF</titleOfClass>
         <cusip>78464A607</cusip>
         <value>255</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3032</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>2276</Sole>
             <Shared>0</Shared>
             <None>756</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>5874</value>
         <shrsOrPrnAmt>
             <sshPrnamt>127450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>118356</Sole>
             <Shared>0</Shared>
             <None>9094</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SVB FINANCIAL GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78486Q101</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>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>193923</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1411277</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1355078</Sole>
             <Shared>0</Shared>
             <None>56199</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>3543</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52101</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>49653</Sole>
             <Shared>0</Shared>
             <None>2448</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>20730</value>
         <shrsOrPrnAmt>
             <sshPrnamt>171164</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>162897</Sole>
             <Shared>0</Shared>
             <None>8267</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>2043</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31181</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>29599</Sole>
             <Shared>0</Shared>
             <None>1582</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>874039100</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>22</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>854502101</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>22</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</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>TETRA TECH INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88162G103</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>22</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871607107</cusip>
         <value>21</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>68</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TARGET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612E106</cusip>
         <value>141293</value>
         <shrsOrPrnAmt>
             <sshPrnamt>952168</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>916252</Sole>
             <Shared>0</Shared>
             <None>35916</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TOPBUILD CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89055F103</cusip>
         <value>2</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>TOTALENERGIES SE</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>89151E109</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>22</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89832Q109</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>36</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TYLER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>902252105</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>UNION PAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>907818108</cusip>
         <value>98071</value>
         <shrsOrPrnAmt>
             <sshPrnamt>503391</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>484725</Sole>
             <Shared>0</Shared>
             <None>18666</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TWILIO INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>90138F102</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>UNILEVER PLC</nameOfIssuer>
         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>904767704</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>111</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>111</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
         <value>73238</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2014230</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1854920</Sole>
             <Shared>0</Shared>
             <None>159310</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>35687</value>
         <shrsOrPrnAmt>
             <sshPrnamt>978009</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>900441</Sole>
             <Shared>0</Shared>
             <None>77568</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
             <sshPrnamt>62</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>62</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
         <value>45</value>
         <shrsOrPrnAmt>
             <sshPrnamt>590</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>590</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>12</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>110</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1480</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>201</Sole>
             <Shared>0</Shared>
             <None>1279</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>MATERIALS ETF</titleOfClass>
         <cusip>92204A801</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>24</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>94</value>
         <shrsOrPrnAmt>
             <sshPrnamt>286</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>286</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>119918</value>
         <shrsOrPrnAmt>
             <sshPrnamt>675024</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>649601</Sole>
             <Shared>0</Shared>
             <None>25423</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WALMART INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931142103</cusip>
         <value>162437</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1252409</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1202660</Sole>
             <Shared>0</Shared>
             <None>49749</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WARNER BROS DISCOVERY INC</nameOfIssuer>
         <titleOfClass>COM SER A</titleOfClass>
         <cusip>934423104</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>139</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>139</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WASTE CONNECTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106B101</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>20</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>XYLEM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98419M100</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>24</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>150155</value>
         <shrsOrPrnAmt>
             <sshPrnamt>583580</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>562204</Sole>
             <Shared>0</Shared>
             <None>21376</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CREDICORP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G2519Y108</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>EBAY INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>278642103</cusip>
         <value>11410</value>
         <shrsOrPrnAmt>
             <sshPrnamt>309964</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>296137</Sole>
             <Shared>0</Shared>
             <None>13827</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>105742</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1309497</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1261054</Sole>
             <Shared>0</Shared>
             <None>48443</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>85</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>291011104</cusip>
         <value>124114</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1695083</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1631576</Sole>
             <Shared>0</Shared>
             <None>63507</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H84989104</cusip>
         <value>176</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1595</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>50</Sole>
             <Shared>0</Shared>
             <None>1545</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>5</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FMC CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>302491303</cusip>
         <value>21</value>
         <shrsOrPrnAmt>
             <sshPrnamt>198</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>198</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>US HLTHCARE ETF</titleOfClass>
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             <sshPrnamt>80</sshPrnamt>
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         <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>166764100</cusip>
         <value>85</value>
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             <sshPrnamt>591</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>241</Sole>
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             <None>350</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>AGENCY BOND ETF</titleOfClass>
         <cusip>464288166</cusip>
         <value>17</value>
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             <sshPrnamt>163</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>3 7 YR TREAS BD</titleOfClass>
         <cusip>464288661</cusip>
         <value>15</value>
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             <sshPrnamt>132</sshPrnamt>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE MSCI TOTAL</titleOfClass>
         <cusip>46432F834</cusip>
         <value>9</value>
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         <nameOfIssuer>ISHARES INC</nameOfIssuer>
         <titleOfClass>CORE MSCI EMKT</titleOfClass>
         <cusip>46434G103</cusip>
         <value>31</value>
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             <Sole>720</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>KEYCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>493267108</cusip>
         <value>10</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>49338L103</cusip>
         <value>3</value>
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             <sshPrnamt>22</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>22</Sole>
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     <infoTable>
         <nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>512807108</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>5</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>LAUDER ESTEE COS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>518439104</cusip>
         <value>2</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>MSCI INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>55354G100</cusip>
         <value>6</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>65339F101</cusip>
         <value>439</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <Sole>5593</Sole>
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             <None>0</None>
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         <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
         <value>3</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>679580100</cusip>
         <value>2</value>
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             <sshPrnamt>8</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>OLIN CORP</nameOfIssuer>
         <titleOfClass>COM PAR $1</titleOfClass>
         <cusip>680665205</cusip>
         <value>105</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>2455</None>
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         <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>718546104</cusip>
         <value>5</value>
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             <sshPrnamt>58</sshPrnamt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>742718109</cusip>
         <value>126948</value>
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             <None>38218</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
         <cusip>78464A664</cusip>
         <value>26</value>
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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>34597</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US TIPS ETF</titleOfClass>
         <cusip>808524870</cusip>
         <value>42</value>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>3258</value>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>26069</value>
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             <None>9931</None>
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         <nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>833445109</cusip>
         <value>1</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <Sole>8</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TREX CO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89531P105</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <Sole>45</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>902973304</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>39</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91324P102</cusip>
         <value>172995</value>
         <shrsOrPrnAmt>
             <sshPrnamt>342538</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <None>13062</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>5</value>
         <shrsOrPrnAmt>
             <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>
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     <infoTable>
         <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106L109</cusip>
         <value>163001</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1017424</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>977570</Sole>
             <Shared>0</Shared>
             <None>39854</None>
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     <infoTable>
         <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
         <titleOfClass>PERP PFD CNV A</titleOfClass>
         <cusip>949746804</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>16</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LPL FINL HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>50212V100</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>13</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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         <value>28</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <value>2</value>
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             <Sole>16</Sole>
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             <None>0</None>
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         <nameOfIssuer>HENRY JACK &amp; ASSOC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>426281101</cusip>
         <value>22578</value>
         <shrsOrPrnAmt>
             <sshPrnamt>123872</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>118221</Sole>
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             <None>5651</None>
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         <nameOfIssuer>HUMANA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>444859102</cusip>
         <value>45</value>
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             <sshPrnamt>94</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>7</otherManager>
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             <Sole>94</Sole>
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             <None>0</None>
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         <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>452308109</cusip>
         <value>127603</value>
         <shrsOrPrnAmt>
             <sshPrnamt>706357</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <Sole>679941</Sole>
             <Shared>0</Shared>
             <None>26416</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
         <cusip>464288646</cusip>
         <value>11</value>
         <shrsOrPrnAmt>
             <sshPrnamt>220</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>220</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>GRWT ALLOCAT ETF</titleOfClass>
         <cusip>464289867</cusip>
         <value>188</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4188</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>4188</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>LAMB WESTON HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>513272104</cusip>
         <value>39</value>
         <shrsOrPrnAmt>
             <sshPrnamt>500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>500</None>
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         <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>617446448</cusip>
         <value>127</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1610</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1610</None>
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         <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>655844108</cusip>
         <value>215</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1025</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>685</Sole>
             <Shared>0</Shared>
             <None>340</None>
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         <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>66987V109</cusip>
         <value>19</value>
         <shrsOrPrnAmt>
             <sshPrnamt>254</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>254</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>OAK STR HEALTH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67181A107</cusip>
         <value>1</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>25</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>OWENS CORNING NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>690742101</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>43</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>704326107</cusip>
         <value>106</value>
         <shrsOrPrnAmt>
             <sshPrnamt>946</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>946</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PAYCOM SOFTWARE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70432V102</cusip>
         <value>3</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>8</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PEMBINA PIPELINE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>706327103</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>800</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>800</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
         <value>100</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1220</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>847</Sole>
             <Shared>0</Shared>
             <None>373</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ROLLINS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>775711104</cusip>
         <value>2</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>61</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
         <titleOfClass>TR UNIT</titleOfClass>
         <cusip>78462F103</cusip>
         <value>49</value>
         <shrsOrPrnAmt>
             <sshPrnamt>137</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>137</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG MU</titleOfClass>
         <cusip>78468R721</cusip>
         <value>6315</value>
         <shrsOrPrnAmt>
             <sshPrnamt>143559</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>133240</Sole>
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             <None>10319</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>4</value>
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             <sshPrnamt>26</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>26</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>1757</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24393</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Shared>0</Shared>
             <None>1337</None>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>7011</value>
         <shrsOrPrnAmt>
             <sshPrnamt>146404</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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             <Shared>0</Shared>
             <None>6888</None>
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         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>4</value>
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             <sshPrnamt>10</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>10</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>UTILITIES ETF</titleOfClass>
         <cusip>92204A876</cusip>
         <value>4</value>
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             <sshPrnamt>29</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <Sole>29</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
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         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
         <cusip>92206C771</cusip>
         <value>100</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2220</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
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         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>19</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>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>880</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <Shared>0</Shared>
             <None>1155</None>
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     <infoTable>
         <nameOfIssuer>ZOOMINFO TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>98980F104</cusip>
         <value>1</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FLEX LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>Y2573F102</cusip>
         <value>5</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>275</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
