<SEC-DOCUMENT>0000720672-23-000005.txt : 20230512
<SEC-HEADER>0000720672-23-000005.hdr.sgml : 20230512
<ACCEPTANCE-DATETIME>20230512170132
ACCESSION NUMBER:		0000720672-23-000005
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20230331
FILED AS OF DATE:		20230512
DATE AS OF CHANGE:		20230512
EFFECTIVENESS DATE:		20230512

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:		23916844

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

	MAIL ADDRESS:	
		STREET 1:		ATTN: JAMES G. LASCHOBER
		STREET 2:		501 N. BROADWAY
		CITY:			ST. LOUIS
		STATE:			MO
		ZIP:			63102-2102
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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        <address>
          <com:street1>ATTN: JAMES G. LASCHOBER</com:street1>
          <com:street2>501 N. BROADWAY</com:street2>
          <com:city>ST. LOUIS</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>63102-2102</com:zipCode>
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      <name>James M. Zemlyak</name>
      <title>President</title>
      <phone>3143422000</phone>
      <signature>/s/ James M. Zemlyak</signature>
      <city>St. Louis</city>
      <stateOrCountry>MO</stateOrCountry>
      <signatureDate>05-12-2023</signatureDate>
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             <None>548</None>
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         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
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             <None>338</None>
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             <None>162</None>
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             <None>157</None>
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             <None>242</None>
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         <titleOfClass>COM</titleOfClass>
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             <None>547</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92840M102</cusip>
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         <value>29763</value>
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             <None>1564</None>
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         <value>6118</value>
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             <None>49</None>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>34</None>
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         <nameOfIssuer>DEUTSCHE BANK A G</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>D18190898</cusip>
         <value>10241</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1003</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1003</None>
         </votingAuthority>
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         <nameOfIssuer>ALLEGION PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G0176J109</cusip>
         <value>8858</value>
         <shrsOrPrnAmt>
             <sshPrnamt>83</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>83</None>
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         <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G02602103</cusip>
         <value>30634</value>
         <shrsOrPrnAmt>
             <sshPrnamt>319</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>319</None>
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         <nameOfIssuer>AON PLC</nameOfIssuer>
         <titleOfClass>SHS CL A</titleOfClass>
         <cusip>G0403H108</cusip>
         <value>40042</value>
         <shrsOrPrnAmt>
             <sshPrnamt>127</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>127</None>
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         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>99176</value>
         <shrsOrPrnAmt>
             <sshPrnamt>347</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>347</None>
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         <nameOfIssuer>BUNGE LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G16962105</cusip>
         <value>3916</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>41</None>
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         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>47290</value>
         <shrsOrPrnAmt>
             <sshPrnamt>276</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>276</None>
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     <infoTable>
         <nameOfIssuer>FERGUSON PLC NEW</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3421J106</cusip>
         <value>6019</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>45</None>
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     <infoTable>
         <nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer>
         <titleOfClass>ORDINARY SHARES</titleOfClass>
         <cusip>G39387108</cusip>
         <value>13209</value>
         <shrsOrPrnAmt>
             <sshPrnamt>183</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>183</None>
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     <infoTable>
         <nameOfIssuer>GRAB HOLDINGS LIMITED</nameOfIssuer>
         <titleOfClass>CLASS A ORD</titleOfClass>
         <cusip>G4124C109</cusip>
         <value>17105</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5683</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>5683</None>
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     <infoTable>
         <nameOfIssuer>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G46188101</cusip>
         <value>6003</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>55</None>
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     <infoTable>
         <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>168677</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2801</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>2801</None>
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         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>231548</value>
         <shrsOrPrnAmt>
             <sshPrnamt>651</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>651</None>
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     <infoTable>
         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>163822</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2032</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>2032</None>
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         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>13911</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>124</None>
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     <infoTable>
         <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
         <value>6873</value>
         <shrsOrPrnAmt>
             <sshPrnamt>511</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>511</None>
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     <infoTable>
         <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>5325</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>124</None>
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     <infoTable>
         <nameOfIssuer>ROYALTY PHARMA PLC</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G7709Q104</cusip>
         <value>1838</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>51</None>
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     <infoTable>
         <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G7997R103</cusip>
         <value>13224</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>200</None>
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     <infoTable>
         <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>3040</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>55</None>
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     <infoTable>
         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>34773</value>
         <shrsOrPrnAmt>
             <sshPrnamt>189</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>189</None>
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         <nameOfIssuer>TRITON INTL LTD</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>G9078F107</cusip>
         <value>32495</value>
         <shrsOrPrnAmt>
             <sshPrnamt>514</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>514</None>
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     <infoTable>
         <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>3021</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <None>13</None>
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         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>16930</value>
         <shrsOrPrnAmt>
             <sshPrnamt>240</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>240</None>
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         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>72624</value>
         <shrsOrPrnAmt>
             <sshPrnamt>374</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>374</None>
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         <nameOfIssuer>GARMIN LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H2906T109</cusip>
         <value>4340</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>43</None>
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         <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H42097107</cusip>
         <value>27294</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1279</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1279</None>
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     <infoTable>
         <nameOfIssuer>LOGITECH INTL S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H50430232</cusip>
         <value>2322</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>40</None>
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     <infoTable>
         <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H84989104</cusip>
         <value>4066</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>31</None>
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         <nameOfIssuer>GLOBANT S A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>L44385109</cusip>
         <value>77577</value>
         <shrsOrPrnAmt>
             <sshPrnamt>473</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>473</None>
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         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>6280</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
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             <None>47</None>
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         <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M22465104</cusip>
         <value>32110</value>
         <shrsOrPrnAmt>
             <sshPrnamt>247</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>247</None>
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         <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
         <value>10211</value>
         <shrsOrPrnAmt>
             <sshPrnamt>69</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>69</None>
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         <nameOfIssuer>ELBIT SYS LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M3760D101</cusip>
         <value>17022</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>100</None>
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     <infoTable>
         <nameOfIssuer>ICL GROUP LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M53213100</cusip>
         <value>16857</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2479</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>2479</None>
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         <nameOfIssuer>JFROG LTD</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>M6191J100</cusip>
         <value>1970</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>100</None>
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     <infoTable>
         <nameOfIssuer>ZIM INTEGRATED SHIPPING SERV</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M9T951109</cusip>
         <value>4504</value>
         <shrsOrPrnAmt>
             <sshPrnamt>191</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>191</None>
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     <infoTable>
         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>14976</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>22</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ELASTIC N V</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>N14506104</cusip>
         <value>2316</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>40</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FERRARI N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N3167Y103</cusip>
         <value>15985</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59</sshPrnamt>
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             <None>304</None>
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         <titleOfClass>INTERNATNAL VAL</titleOfClass>
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         <cusip>25434V849</cusip>
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             <None>2155</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MORNINGSTAR DIVID L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>336917109</cusip>
         <value>59750312</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1683114</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1632632</Sole>
             <Shared>0</Shared>
             <None>50482</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>US EQTY OPPT ETF</titleOfClass>
         <cusip>336920103</cusip>
         <value>2471848</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29409</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>23597</Sole>
             <Shared>0</Shared>
             <None>5812</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR DOW JONES SELECT MI</nameOfIssuer>
         <titleOfClass>COM SHS ANNUAL</titleOfClass>
         <cusip>33718M105</cusip>
         <value>1083788</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20199</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20199</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR INTER DURATN PFD &amp;</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33718W103</cusip>
         <value>852204</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54007</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>46222</Sole>
             <Shared>0</Shared>
             <None>7785</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>WTR ETF</titleOfClass>
         <cusip>33733B100</cusip>
         <value>9416266</value>
         <shrsOrPrnAmt>
             <sshPrnamt>112582</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>112010</Sole>
             <Shared>0</Shared>
             <None>572</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MULTI CP VAL ALPHA</nameOfIssuer>
         <titleOfClass>SHS ISSUED FRST</titleOfClass>
         <cusip>33733C108</cusip>
         <value>8924373</value>
         <shrsOrPrnAmt>
             <sshPrnamt>128071</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>115632</Sole>
             <Shared>0</Shared>
             <None>12439</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>CAP STRENGTH ETF</titleOfClass>
         <cusip>33733E104</cusip>
         <value>65682102</value>
         <shrsOrPrnAmt>
             <sshPrnamt>900486</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>854442</Sole>
             <Shared>0</Shared>
             <None>46044</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NY ARCA BIOTECH</titleOfClass>
         <cusip>33733E203</cusip>
         <value>7148023</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46108</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>44671</Sole>
             <Shared>0</Shared>
             <None>1437</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DJ INTERNT IDX</titleOfClass>
         <cusip>33733E302</cusip>
         <value>18368488</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124238</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>118718</Sole>
             <Shared>0</Shared>
             <None>5520</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ 100 EX</titleOfClass>
         <cusip>33733E401</cusip>
         <value>745752</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9043</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8920</Sole>
             <Shared>0</Shared>
             <None>123</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAS CLNEDG GREEN</titleOfClass>
         <cusip>33733E500</cusip>
         <value>5351770</value>
         <shrsOrPrnAmt>
             <sshPrnamt>102459</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>96307</Sole>
             <Shared>0</Shared>
             <None>6152</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAT GAS ETF</titleOfClass>
         <cusip>33733E807</cusip>
         <value>3311119</value>
         <shrsOrPrnAmt>
             <sshPrnamt>147033</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>141608</Sole>
             <Shared>0</Shared>
             <None>5425</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MULTI CAP GROWTH AL</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33733F101</cusip>
         <value>544462</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5560</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5560</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR SR FLTG RATE INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33733U108</cusip>
         <value>1147080</value>
         <shrsOrPrnAmt>
             <sshPrnamt>115285</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>104119</Sole>
             <Shared>0</Shared>
             <None>11166</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337344105</cusip>
         <value>14051133</value>
         <shrsOrPrnAmt>
             <sshPrnamt>139602</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>139269</Sole>
             <Shared>0</Shared>
             <None>333</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR NASDAQ 100 TECH IND</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337345102</cusip>
         <value>3675318</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28159</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>26914</Sole>
             <Shared>0</Shared>
             <None>1245</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR S&amp;P REIT INDEX FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33734G108</cusip>
         <value>1079088</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44316</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>43835</Sole>
             <Shared>0</Shared>
             <None>481</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>33734H106</cusip>
         <value>135487282</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3373698</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3308762</Sole>
             <Shared>0</Shared>
             <None>64936</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR LRGE CP CORE ALPHA</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33734K109</cusip>
         <value>1360155</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16896</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13404</Sole>
             <Shared>0</Shared>
             <None>3492</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CONSUMR DISCRE</titleOfClass>
         <cusip>33734X101</cusip>
         <value>3227053</value>
         <shrsOrPrnAmt>
             <sshPrnamt>62144</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>59548</Sole>
             <Shared>0</Shared>
             <None>2596</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CONSUMR STAPLE</titleOfClass>
         <cusip>33734X119</cusip>
         <value>7729385</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124521</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>118897</Sole>
             <Shared>0</Shared>
             <None>5624</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>ENERGY ALPHADX</titleOfClass>
         <cusip>33734X127</cusip>
         <value>3941631</value>
         <shrsOrPrnAmt>
             <sshPrnamt>253969</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>245433</Sole>
             <Shared>0</Shared>
             <None>8536</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>FINLS ALPHADEX</titleOfClass>
         <cusip>33734X135</cusip>
         <value>11338251</value>
         <shrsOrPrnAmt>
             <sshPrnamt>303729</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>292877</Sole>
             <Shared>0</Shared>
             <None>10852</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>HLTH CARE ALPH</titleOfClass>
         <cusip>33734X143</cusip>
         <value>14171752</value>
         <shrsOrPrnAmt>
             <sshPrnamt>131714</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>126638</Sole>
             <Shared>0</Shared>
             <None>5076</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDLS PROD DUR</titleOfClass>
         <cusip>33734X150</cusip>
         <value>5514507</value>
         <shrsOrPrnAmt>
             <sshPrnamt>99267</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>91733</Sole>
             <Shared>0</Shared>
             <None>7534</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>MATERIALS ALPH</titleOfClass>
         <cusip>33734X168</cusip>
         <value>14517301</value>
         <shrsOrPrnAmt>
             <sshPrnamt>222240</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>212614</Sole>
             <Shared>0</Shared>
             <None>9626</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>TECH ALPHADEX</titleOfClass>
         <cusip>33734X176</cusip>
         <value>12646286</value>
         <shrsOrPrnAmt>
             <sshPrnamt>120215</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>117136</Sole>
             <Shared>0</Shared>
             <None>3079</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>UTILITIES ALPH</titleOfClass>
         <cusip>33734X184</cusip>
         <value>1145421</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34896</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>34896</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CLOUD COMPUTING</titleOfClass>
         <cusip>33734X192</cusip>
         <value>4145122</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61956</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>55452</Sole>
             <Shared>0</Shared>
             <None>6504</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>DJ GLBL DIVID</titleOfClass>
         <cusip>33734X200</cusip>
         <value>1635599</value>
         <shrsOrPrnAmt>
             <sshPrnamt>73975</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>70202</Sole>
             <Shared>0</Shared>
             <None>3773</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDXX NAT RE ETF</titleOfClass>
         <cusip>33734X838</cusip>
         <value>2380442</value>
         <shrsOrPrnAmt>
             <sshPrnamt>179520</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>179332</Sole>
             <Shared>0</Shared>
             <None>188</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ CYB ETF</titleOfClass>
         <cusip>33734X846</cusip>
         <value>22518037</value>
         <shrsOrPrnAmt>
             <sshPrnamt>526668</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>510042</Sole>
             <Shared>0</Shared>
             <None>16626</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INTL EQUITY OPP</titleOfClass>
         <cusip>33734X853</cusip>
         <value>460403</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11290</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8342</Sole>
             <Shared>0</Shared>
             <None>2948</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR SML CP CORE ALPHA F</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33734Y109</cusip>
         <value>5275577</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65454</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>65067</Sole>
             <Shared>0</Shared>
             <None>387</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MID CAP CORE ALPHAD</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735B108</cusip>
         <value>7290004</value>
         <shrsOrPrnAmt>
             <sshPrnamt>81034</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>50270</Sole>
             <Shared>0</Shared>
             <None>30764</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR LRG CP VL ALPHADEX</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735J101</cusip>
         <value>4597089</value>
         <shrsOrPrnAmt>
             <sshPrnamt>69236</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>65216</Sole>
             <Shared>0</Shared>
             <None>4020</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TRUST LRGCP GWT ALPHAD</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735K108</cusip>
         <value>8901479</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95667</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>92997</Sole>
             <Shared>0</Shared>
             <None>2670</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR STOXX EUROPEAN SELE</nameOfIssuer>
         <titleOfClass>COMMON SHS</titleOfClass>
         <cusip>33735T109</cusip>
         <value>339741</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29123</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>27147</Sole>
             <Shared>0</Shared>
             <None>1976</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>GBL WND ENRG ETF</titleOfClass>
         <cusip>33736G106</cusip>
         <value>106802</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5980</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5980</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR FTSE EPRA / NAREIT</nameOfIssuer>
         <titleOfClass>ALERIAN DISRUPT</titleOfClass>
         <cusip>33736N101</cusip>
         <value>475495</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11834</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11670</Sole>
             <Shared>0</Shared>
             <None>164</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ CLN EDGE</titleOfClass>
         <cusip>33737A108</cusip>
         <value>8110311</value>
         <shrsOrPrnAmt>
             <sshPrnamt>82979</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>82856</Sole>
             <Shared>0</Shared>
             <None>123</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EUROPE ALPHADEX</titleOfClass>
         <cusip>33737J117</cusip>
         <value>711058</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20459</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20363</Sole>
             <Shared>0</Shared>
             <None>96</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>DEV MRK EX US</titleOfClass>
         <cusip>33737J174</cusip>
         <value>4499763</value>
         <shrsOrPrnAmt>
             <sshPrnamt>88771</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>87259</Sole>
             <Shared>0</Shared>
             <None>1512</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EMERG MKT ALPH</titleOfClass>
         <cusip>33737J182</cusip>
         <value>546259</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25767</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>25689</Sole>
             <Shared>0</Shared>
             <None>78</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>SWITZLND ALPHA</titleOfClass>
         <cusip>33737J232</cusip>
         <value>689471</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11309</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11141</Sole>
             <Shared>0</Shared>
             <None>168</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EM SML CP ALPH</titleOfClass>
         <cusip>33737J307</cusip>
         <value>1269949</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34128</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>34057</Sole>
             <Shared>0</Shared>
             <None>71</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EX US SML CP</titleOfClass>
         <cusip>33737J406</cusip>
         <value>258219</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6453</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6363</Sole>
             <Shared>0</Shared>
             <None>90</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDXX NEXTG ETF</titleOfClass>
         <cusip>33737K205</cusip>
         <value>5141094</value>
         <shrsOrPrnAmt>
             <sshPrnamt>73957</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>73469</Sole>
             <Shared>0</Shared>
             <None>488</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CP GR ALPH</titleOfClass>
         <cusip>33737M102</cusip>
         <value>1588623</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26704</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>26638</Sole>
             <Shared>0</Shared>
             <None>66</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CAP VAL FD</titleOfClass>
         <cusip>33737M201</cusip>
         <value>2488151</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56950</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>56863</Sole>
             <Shared>0</Shared>
             <None>87</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>SML CP GRW ALP</titleOfClass>
         <cusip>33737M300</cusip>
         <value>675168</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11671</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11671</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>SML CAP VAL ALPH</titleOfClass>
         <cusip>33737M409</cusip>
         <value>1178659</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25797</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>25797</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR ENERGY INFRASTRCTR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738C103</cusip>
         <value>535986</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37377</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>37377</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NO AMER ENERGY</titleOfClass>
         <cusip>33738D101</cusip>
         <value>10073942</value>
         <shrsOrPrnAmt>
             <sshPrnamt>378295</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>375074</Sole>
             <Shared>0</Shared>
             <None>3221</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SENIOR LN FD</titleOfClass>
         <cusip>33738D309</cusip>
         <value>25125707</value>
         <shrsOrPrnAmt>
             <sshPrnamt>555388</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>553105</Sole>
             <Shared>0</Shared>
             <None>2283</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR TA HIYL</titleOfClass>
         <cusip>33738D408</cusip>
         <value>8501849</value>
         <shrsOrPrnAmt>
             <sshPrnamt>213792</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>213533</Sole>
             <Shared>0</Shared>
             <None>259</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>LIMITED DURATION</titleOfClass>
         <cusip>33738D804</cusip>
         <value>21594427</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1146809</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1146240</Sole>
             <Shared>0</Shared>
             <None>569</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>CBOE VEST RISING</titleOfClass>
         <cusip>33738D879</cusip>
         <value>300472</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13995</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13995</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR HIGH INCOME LONG /</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738E109</cusip>
         <value>728586</value>
         <shrsOrPrnAmt>
             <sshPrnamt>64192</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>63767</Sole>
             <Shared>0</Shared>
             <None>425</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>MULTI ASSET DI</titleOfClass>
         <cusip>33738R100</cusip>
         <value>572077</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39024</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>32024</Sole>
             <Shared>0</Shared>
             <None>7000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASD TECH DIV</titleOfClass>
         <cusip>33738R118</cusip>
         <value>13612345</value>
         <shrsOrPrnAmt>
             <sshPrnamt>251657</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>244764</Sole>
             <Shared>0</Shared>
             <None>6893</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>BUYWRIT INCM ETF</titleOfClass>
         <cusip>33738R308</cusip>
         <value>1357673</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67345</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>66435</Sole>
             <Shared>0</Shared>
             <None>910</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
         <cusip>33738R506</cusip>
         <value>46876683</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1044700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>987438</Sole>
             <Shared>0</Shared>
             <None>57262</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DORSEY WRT 5 ETF</titleOfClass>
         <cusip>33738R605</cusip>
         <value>19599347</value>
         <shrsOrPrnAmt>
             <sshPrnamt>434769</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>418571</Sole>
             <Shared>0</Shared>
             <None>16198</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>S&amp;P INTL DIVID</titleOfClass>
         <cusip>33738R688</cusip>
         <value>897008</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57134</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>51317</Sole>
             <Shared>0</Shared>
             <None>5817</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>RBA INDL ETF</titleOfClass>
         <cusip>33738R704</cusip>
         <value>996225</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20748</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20305</Sole>
             <Shared>0</Shared>
             <None>443</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ ARTFCIAL</titleOfClass>
         <cusip>33738R720</cusip>
         <value>756605</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17747</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17263</Sole>
             <Shared>0</Shared>
             <None>484</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ SEMCNDTR</titleOfClass>
         <cusip>33738R811</cusip>
         <value>4113488</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63470</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>59713</Sole>
             <Shared>0</Shared>
             <None>3757</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ OIL GAS</titleOfClass>
         <cusip>33738R845</cusip>
         <value>1463718</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54272</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>49397</Sole>
             <Shared>0</Shared>
             <None>4875</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ FOD BVRG</titleOfClass>
         <cusip>33738R852</cusip>
         <value>3657537</value>
         <shrsOrPrnAmt>
             <sshPrnamt>136069</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>118949</Sole>
             <Shared>0</Shared>
             <None>17120</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ BK ETF</titleOfClass>
         <cusip>33738R860</cusip>
         <value>570854</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26851</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>23251</Sole>
             <Shared>0</Shared>
             <None>3600</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DORSEY WRIGHT</titleOfClass>
         <cusip>33738R886</cusip>
         <value>1041710</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60423</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>60423</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MLP &amp; ENERGY INCOM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33739B104</cusip>
         <value>264430</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34612</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>34612</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>PFD SECS INC ETF</titleOfClass>
         <cusip>33739E108</cusip>
         <value>36540559</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2289497</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2264526</Sole>
             <Shared>0</Shared>
             <None>24971</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
         <titleOfClass>FST TR GLB FD</titleOfClass>
         <cusip>33739H101</cusip>
         <value>43586536</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1855543</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1781662</Sole>
             <Shared>0</Shared>
             <None>73881</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FST TR NEW OPPORT MLP &amp; ENE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33739M100</cusip>
         <value>138027</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23081</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>23081</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>MANAGD MUN ETF</titleOfClass>
         <cusip>33739N108</cusip>
         <value>10897906</value>
         <shrsOrPrnAmt>
             <sshPrnamt>213953</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>213881</Sole>
             <Shared>0</Shared>
             <None>72</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>LNG/SHT EQUITY</titleOfClass>
         <cusip>33739P103</cusip>
         <value>897974</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17673</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16923</Sole>
             <Shared>0</Shared>
             <None>750</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>MUNI HI INCM ETF</titleOfClass>
         <cusip>33739P301</cusip>
         <value>252034</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5375</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>RIVRFRNT DYN DEV</titleOfClass>
         <cusip>33739P608</cusip>
         <value>206517</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3674</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3674</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>2635927</value>
         <shrsOrPrnAmt>
             <sshPrnamt>132592</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>127568</Sole>
             <Shared>0</Shared>
             <None>5024</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>INSTL PFD SECS</titleOfClass>
         <cusip>33739P855</cusip>
         <value>4778589</value>
         <shrsOrPrnAmt>
             <sshPrnamt>285277</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>283881</Sole>
             <Shared>0</Shared>
             <None>1396</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>CALIF MUN INCM</titleOfClass>
         <cusip>33739P863</cusip>
         <value>655448</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13314</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12698</Sole>
             <Shared>0</Shared>
             <None>616</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>HORIZON DMST ETF</titleOfClass>
         <cusip>33739P889</cusip>
         <value>443263</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13730</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13730</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FST LOW OPPT EFT</titleOfClass>
         <cusip>33739Q200</cusip>
         <value>53879249</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1125511</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1097538</Sole>
             <Shared>0</Shared>
             <None>27973</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR ENH NEW</titleOfClass>
         <cusip>33739Q408</cusip>
         <value>70195787</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1179551</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1157509</Sole>
             <Shared>0</Shared>
             <None>22042</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FT CBOE VEST S&amp;P</titleOfClass>
         <cusip>33739Q705</cusip>
         <value>10066986</value>
         <shrsOrPrnAmt>
             <sshPrnamt>195702</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>195702</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>ENERGY INM PARTN</titleOfClass>
         <cusip>33739Q804</cusip>
         <value>3650631</value>
         <shrsOrPrnAmt>
             <sshPrnamt>183635</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>183616</Sole>
             <Shared>0</Shared>
             <None>19</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR DYNAMIC EUROPE EQUI</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33740D107</cusip>
         <value>626386</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49167</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>46999</Sole>
             <Shared>0</Shared>
             <None>2168</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>EQUITYCOMPASS</titleOfClass>
         <cusip>33740F607</cusip>
         <value>8422776</value>
         <shrsOrPrnAmt>
             <sshPrnamt>378312</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>370421</Sole>
             <Shared>0</Shared>
             <None>7891</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>TCW OPPORTUNIS</titleOfClass>
         <cusip>33740F805</cusip>
         <value>30870379</value>
         <shrsOrPrnAmt>
             <sshPrnamt>685077</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>678216</Sole>
             <Shared>0</Shared>
             <None>6861</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>TCW UNCONSTRAI</titleOfClass>
         <cusip>33740F888</cusip>
         <value>4961228</value>
         <shrsOrPrnAmt>
             <sshPrnamt>204925</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>204820</Sole>
             <Shared>0</Shared>
             <None>105</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>ULTRA SHT DUR MU</titleOfClass>
         <cusip>33740J104</cusip>
         <value>619295</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31019</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>30019</Sole>
             <Shared>0</Shared>
             <None>1000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
         <titleOfClass>ALT ABSLT STRG</titleOfClass>
         <cusip>33740Y101</cusip>
         <value>661037</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22257</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20616</Sole>
             <Shared>0</Shared>
             <None>1641</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR HIGH YIELD OPPRT 20</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33741Q107</cusip>
         <value>290034</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20776</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20776</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>12023317</value>
         <shrsOrPrnAmt>
             <sshPrnamt>451141</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>405497</Sole>
             <Shared>0</Shared>
             <None>45644</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST WATCH RESTAURANT GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33748L101</cusip>
         <value>247226</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15394</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15394</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTCASH HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33768G107</cusip>
         <value>457972</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4802</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4802</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>22680921</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200664</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>194916</Sole>
             <Shared>0</Shared>
             <None>5748</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337932107</cusip>
         <value>6202584</value>
         <shrsOrPrnAmt>
             <sshPrnamt>154830</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>146174</Sole>
             <Shared>0</Shared>
             <None>8656</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVE BELOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33829M101</cusip>
         <value>7990200</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38793</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>38370</Sole>
             <Shared>0</Shared>
             <None>423</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVE9 INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338307101</cusip>
         <value>2790174</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38597</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>38248</Sole>
             <Shared>0</Shared>
             <None>349</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLAHERTY &amp; CRUMRINE PFD SECS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338478100</cusip>
         <value>146344</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10574</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5406</Sole>
             <Shared>0</Shared>
             <None>5168</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLAHERTY &amp; CRUMRINE PFD INCO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33848E106</cusip>
         <value>76313</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9250</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9250</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLAHERTY &amp; CRUMRINE DYNAMIC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>33848W106</cusip>
         <value>779913</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42947</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12894</Sole>
             <Shared>0</Shared>
             <None>30053</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>339041105</cusip>
         <value>1056782</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5012</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4988</Sole>
             <Shared>0</Shared>
             <None>24</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>MORNSTAR UPSTR</titleOfClass>
         <cusip>33939L407</cusip>
         <value>2252515</value>
         <shrsOrPrnAmt>
             <sshPrnamt>53261</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>52346</Sole>
             <Shared>0</Shared>
             <None>915</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>IBOXX 3R TARGT</titleOfClass>
         <cusip>33939L506</cusip>
         <value>3017940</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124863</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>124416</Sole>
             <Shared>0</Shared>
             <None>447</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>IBOXX 5YR TRGT</titleOfClass>
         <cusip>33939L605</cusip>
         <value>521787</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21306</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20862</Sole>
             <Shared>0</Shared>
             <None>444</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>HIG YLD VL ETF</titleOfClass>
         <cusip>33939L662</cusip>
         <value>2470870</value>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066V101</cusip>
         <value>3144307</value>
         <shrsOrPrnAmt>
             <sshPrnamt>272707</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>246510</Sole>
             <Shared>0</Shared>
             <None>26197</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN NEW YORK QLT MUN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066X107</cusip>
         <value>144348</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13075</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13075</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CA QUALTY MUN INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066Y105</cusip>
         <value>449384</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40815</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>40815</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN INT DUR QUAL MUN TRM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670677103</cusip>
         <value>774426</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60644</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>56644</Sole>
             <Shared>0</Shared>
             <None>4000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN SR INCOME FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67067Y104</cusip>
         <value>142734</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30962</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>30962</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN MUN HIGH INCOME OPPOR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670682103</cusip>
         <value>2457750</value>
         <shrsOrPrnAmt>
             <sshPrnamt>227569</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>223641</Sole>
             <Shared>0</Shared>
             <None>3928</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN NASDAQ 100 DYNAMIC OV</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>670699107</cusip>
         <value>1046537</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43715</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>38526</Sole>
             <Shared>0</Shared>
             <None>5189</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN S&amp;P 500 BUY-WRITE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>6706ER101</cusip>
         <value>3158484</value>
         <shrsOrPrnAmt>
             <sshPrnamt>241289</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>211664</Sole>
             <Shared>0</Shared>
             <None>29625</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVASIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670704105</cusip>
         <value>2496213</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60426</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>591</Sole>
             <Shared>0</Shared>
             <None>59835</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN MUNICIPAL CREDIT INC</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>67070X101</cusip>
         <value>1272151</value>
         <shrsOrPrnAmt>
             <sshPrnamt>106457</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>103551</Sole>
             <Shared>0</Shared>
             <None>2906</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN REAL ESTATE INCOME FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67071B108</cusip>
         <value>157823</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21127</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21127</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67071L106</cusip>
         <value>4241911</value>
         <shrsOrPrnAmt>
             <sshPrnamt>360094</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>349336</Sole>
             <Shared>0</Shared>
             <None>10758</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN GEORGIA QLTY MUN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072B107</cusip>
         <value>94520</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9294</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6257</Sole>
             <Shared>0</Shared>
             <None>3037</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME SECS FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072C105</cusip>
         <value>395532</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61228</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>55602</Sole>
             <Shared>0</Shared>
             <None>5626</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN FLOATING RATE INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072T108</cusip>
         <value>115828</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14125</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13992</Sole>
             <Shared>0</Shared>
             <None>133</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME OPPORTUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67073B106</cusip>
         <value>1215033</value>
         <shrsOrPrnAmt>
             <sshPrnamt>184656</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>166156</Sole>
             <Shared>0</Shared>
             <None>18500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CR STRATEGIES INCOME</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67073D102</cusip>
         <value>2557195</value>
         <shrsOrPrnAmt>
             <sshPrnamt>500422</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>481100</Sole>
             <Shared>0</Shared>
             <None>19322</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67074C103</cusip>
         <value>729692</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45266</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>45266</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN SHORT DURATION CR OPP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67074X107</cusip>
         <value>133090</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11346</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11346</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN MULTI ASSET INCOME FU</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670750108</cusip>
         <value>344790</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29878</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>28692</Sole>
             <Shared>0</Shared>
             <None>1186</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME TERM FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67075A106</cusip>
         <value>5152627</value>
         <shrsOrPrnAmt>
             <sshPrnamt>292265</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>286465</Sole>
             <Shared>0</Shared>
             <None>5800</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN DOW 30 DYNMC OVERWRT</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>67075F105</cusip>
         <value>2442651</value>
         <shrsOrPrnAmt>
             <sshPrnamt>166393</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>163293</Sole>
             <Shared>0</Shared>
             <None>3100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PREFERRED AND INCOME</nameOfIssuer>
         <titleOfClass>COM SHS BEN INT</titleOfClass>
         <cusip>67075T105</cusip>
         <value>317489</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19230</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19096</Sole>
             <Shared>0</Shared>
             <None>134</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67077M108</cusip>
         <value>19009948</value>
         <shrsOrPrnAmt>
             <sshPrnamt>257403</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>222958</Sole>
             <Shared>0</Shared>
             <None>34445</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CORPORATE INCOME 2023</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67079F101</cusip>
         <value>426060</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46361</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>46361</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN DYNAMIC MUN OPPORTUNI</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67079X102</cusip>
         <value>232360</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21983</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21983</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CORE PLUS IMPACT FUND</nameOfIssuer>
         <titleOfClass>COM BEN INT</titleOfClass>
         <cusip>67080D103</cusip>
         <value>729187</value>
         <shrsOrPrnAmt>
             <sshPrnamt>71349</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>68349</Sole>
             <Shared>0</Shared>
             <None>3000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN VRIABL RAT PFD &amp; INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67080R102</cusip>
         <value>764125</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48240</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>44140</Sole>
             <Shared>0</Shared>
             <None>4100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670837103</cusip>
         <value>8135607</value>
         <shrsOrPrnAmt>
             <sshPrnamt>216027</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>212732</Sole>
             <Shared>0</Shared>
             <None>3295</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670928100</cusip>
         <value>6188519</value>
         <shrsOrPrnAmt>
             <sshPrnamt>702442</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>698959</Sole>
             <Shared>0</Shared>
             <None>3483</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG LRGVL</titleOfClass>
         <cusip>67092P300</cusip>
         <value>975766</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28640</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>18606</Sole>
             <Shared>0</Shared>
             <None>10034</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG MIDCP</titleOfClass>
         <cusip>67092P409</cusip>
         <value>333637</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8727</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7752</Sole>
             <Shared>0</Shared>
             <None>975</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG MIDVL</titleOfClass>
         <cusip>67092P508</cusip>
         <value>544695</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18979</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4046</Sole>
             <Shared>0</Shared>
             <None>14933</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
         <cusip>67092P607</cusip>
         <value>345139</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9747</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9061</Sole>
             <Shared>0</Shared>
             <None>686</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG EMRGN</titleOfClass>
         <cusip>67092P888</cusip>
         <value>217674</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8101</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8101</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PENNSYLVANIA QLT MUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670972108</cusip>
         <value>361138</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31596</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>31096</Sole>
             <Shared>0</Shared>
             <None>500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN OHIO QLTY MUN INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670980101</cusip>
         <value>1007436</value>
         <shrsOrPrnAmt>
             <sshPrnamt>79263</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>COMP SOFTWARE</titleOfClass>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <shrsOrPrnAmt>
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     <infoTable>
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     <infoTable>
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             <Sole>30820</Sole>
             <Shared>0</Shared>
             <None>1332</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78467J100</cusip>
         <value>8351361</value>
         <shrsOrPrnAmt>
             <sshPrnamt>147890</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>146851</Sole>
             <Shared>0</Shared>
             <None>1039</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>BLACKSTONE SENR</titleOfClass>
         <cusip>78467V608</cusip>
         <value>18706655</value>
         <shrsOrPrnAmt>
             <sshPrnamt>451194</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>403856</Sole>
             <Shared>0</Shared>
             <None>47338</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>SPDR TR TACTIC</titleOfClass>
         <cusip>78467V848</cusip>
         <value>1085935</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26466</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>26451</Sole>
             <Shared>0</Shared>
             <None>15</None>
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     <infoTable>
         <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
         <titleOfClass>UT SER 1</titleOfClass>
         <cusip>78467X109</cusip>
         <value>37397046</value>
         <shrsOrPrnAmt>
             <sshPrnamt>112430</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>106550</Sole>
             <Shared>0</Shared>
             <None>5880</None>
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     <infoTable>
         <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
         <cusip>78467Y107</cusip>
         <value>18835184</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41032</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>40067</Sole>
             <Shared>0</Shared>
             <None>965</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO SH TSR</titleOfClass>
         <cusip>78468R101</cusip>
         <value>5278056</value>
         <shrsOrPrnAmt>
             <sshPrnamt>180570</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>179937</Sole>
             <Shared>0</Shared>
             <None>633</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
         <cusip>78468R408</cusip>
         <value>10190424</value>
         <shrsOrPrnAmt>
             <sshPrnamt>410243</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>405988</Sole>
             <Shared>0</Shared>
             <None>4255</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P OILGAS EXP</titleOfClass>
         <cusip>78468R556</cusip>
         <value>5943623</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46579</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>46579</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
         <cusip>78468R606</cusip>
         <value>2572544</value>
         <shrsOrPrnAmt>
             <sshPrnamt>111947</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>110664</Sole>
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             <None>1283</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
         <cusip>78468R622</cusip>
         <value>8630327</value>
         <shrsOrPrnAmt>
             <sshPrnamt>92981</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>89664</Sole>
             <Shared>0</Shared>
             <None>3317</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
         <value>397007275</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4323760</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4216051</Sole>
             <Shared>0</Shared>
             <None>107709</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG MU</titleOfClass>
         <cusip>78468R721</cusip>
         <value>9091204</value>
         <shrsOrPrnAmt>
             <sshPrnamt>194173</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>189375</Sole>
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             <None>4798</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>12990117</value>
         <shrsOrPrnAmt>
             <sshPrnamt>273189</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>267722</Sole>
             <Shared>0</Shared>
             <None>5467</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>
         <cusip>78468R788</cusip>
         <value>4893562</value>
         <shrsOrPrnAmt>
             <sshPrnamt>128779</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>122710</Sole>
             <Shared>0</Shared>
             <None>6069</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>SPDR S&amp;P 500 ETF</titleOfClass>
         <cusip>78468R796</cusip>
         <value>4886</value>
         <shrsOrPrnAmt>
             <sshPrnamt>147</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>147</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>SSGA US LRG ETF</titleOfClass>
         <cusip>78468R804</cusip>
         <value>221753</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1621</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1621</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
         <cusip>78468R853</cusip>
         <value>854459</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22623</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>6669</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1 10 Y</titleOfClass>
         <cusip>78468R861</cusip>
         <value>2298952</value>
         <shrsOrPrnAmt>
             <sshPrnamt>120805</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>4352</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>SSGA US SMAL ETF</titleOfClass>
         <cusip>78468R887</cusip>
         <value>245477</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2335</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>170</None>
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     <infoTable>
         <nameOfIssuer>SQZ BIOTECHNOLOGIES CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78472W104</cusip>
         <value>489622</value>
         <shrsOrPrnAmt>
             <sshPrnamt>874326</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>31500</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPX TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78473E103</cusip>
         <value>275262</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SABA CAPITAL INCOME &amp; OPRNT</nameOfIssuer>
         <titleOfClass>SHS NEW</titleOfClass>
         <cusip>78518H202</cusip>
         <value>173173</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21248</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SABINE RTY TR</nameOfIssuer>
         <titleOfClass>UNIT BEN INT</titleOfClass>
         <cusip>785688102</cusip>
         <value>449778</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6263</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6263</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SABRA HEALTH CARE REIT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78573L106</cusip>
         <value>6572994</value>
         <shrsOrPrnAmt>
             <sshPrnamt>571558</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>532754</Sole>
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             <None>38804</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SABRE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78573M104</cusip>
         <value>264306</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61611</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>61611</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SAFETY INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78648T100</cusip>
         <value>66697</value>
         <shrsOrPrnAmt>
             <sshPrnamt>895</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>854</Sole>
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             <None>41</None>
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     <infoTable>
         <nameOfIssuer>SAGE THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78667J108</cusip>
         <value>1738822</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41440</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>34928</Sole>
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             <None>6512</None>
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     <infoTable>
         <nameOfIssuer>SAIA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78709Y105</cusip>
         <value>8945067</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32877</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>32220</Sole>
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             <None>657</None>
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     <infoTable>
         <nameOfIssuer>ST JOE CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>790148100</cusip>
         <value>841665</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20227</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19860</Sole>
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             <None>367</None>
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     <infoTable>
         <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>169511665</value>
         <shrsOrPrnAmt>
             <sshPrnamt>848491</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>28151</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>795226109</cusip>
         <value>265100</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>1000</None>
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     <infoTable>
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         <titleOfClass>COM NEW</titleOfClass>
         <cusip>80013R206</cusip>
         <value>3513927</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>6735</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>801056102</cusip>
         <value>3165438</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51901</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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         <cusip>80105N105</cusip>
         <value>25735479</value>
         <shrsOrPrnAmt>
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             <None>12243</None>
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         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>17057569</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>132948</Sole>
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             <None>1840</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>803607100</cusip>
         <value>375584</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2725</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>2706</Sole>
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             <None>19</None>
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     <infoTable>
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         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>803866300</cusip>
         <value>136320</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9987</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9987</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAUL CTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>804395101</cusip>
         <value>1326</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>HENRY SCHEIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806407102</cusip>
         <value>38398575</value>
         <shrsOrPrnAmt>
             <sshPrnamt>470915</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>447051</Sole>
             <Shared>0</Shared>
             <None>23864</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM STK</titleOfClass>
         <cusip>806857108</cusip>
         <value>33050547</value>
         <shrsOrPrnAmt>
             <sshPrnamt>673124</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>613698</Sole>
             <Shared>0</Shared>
             <None>59426</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>19712664</value>
         <shrsOrPrnAmt>
             <sshPrnamt>376317</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>362639</Sole>
             <Shared>0</Shared>
             <None>13678</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US BRD MKT ETF</titleOfClass>
         <cusip>808524102</cusip>
         <value>744068</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15550</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15550</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LRG CAP ETF</titleOfClass>
         <cusip>808524201</cusip>
         <value>9309935</value>
         <shrsOrPrnAmt>
             <sshPrnamt>192474</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>192016</Sole>
             <Shared>0</Shared>
             <None>458</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LCAP GR ETF</titleOfClass>
         <cusip>808524300</cusip>
         <value>18051407</value>
         <shrsOrPrnAmt>
             <sshPrnamt>276990</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>276105</Sole>
             <Shared>0</Shared>
             <None>885</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LCAP VA ETF</titleOfClass>
         <cusip>808524409</cusip>
         <value>370853</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5655</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4598</Sole>
             <Shared>0</Shared>
             <None>1057</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US MID-CAP ETF</titleOfClass>
         <cusip>808524508</cusip>
         <value>1033829</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15237</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15046</Sole>
             <Shared>0</Shared>
             <None>191</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US SML CAP ETF</titleOfClass>
         <cusip>808524607</cusip>
         <value>1312701</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31306</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>31126</Sole>
             <Shared>0</Shared>
             <None>180</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTERNL DIVID</titleOfClass>
         <cusip>808524672</cusip>
         <value>573738</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24280</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>24212</Sole>
             <Shared>0</Shared>
             <None>68</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
         <cusip>808524706</cusip>
         <value>11559595</value>
         <shrsOrPrnAmt>
             <sshPrnamt>471435</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>469248</Sole>
             <Shared>0</Shared>
             <None>2187</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SCHWB FDT EMK LG</titleOfClass>
         <cusip>808524730</cusip>
         <value>811913</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31167</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>30877</Sole>
             <Shared>0</Shared>
             <None>290</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SCHWB FDT INT LG</titleOfClass>
         <cusip>808524755</cusip>
         <value>567647</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18153</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>18153</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SCHWAB FDT US SC</titleOfClass>
         <cusip>808524763</cusip>
         <value>3485989</value>
         <shrsOrPrnAmt>
             <sshPrnamt>71625</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>71625</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>62702306</value>
         <shrsOrPrnAmt>
             <sshPrnamt>857045</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>774659</Sole>
             <Shared>0</Shared>
             <None>82386</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>236003</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6782</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6464</Sole>
             <Shared>0</Shared>
             <None>318</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US REIT ETF</titleOfClass>
         <cusip>808524847</cusip>
         <value>120999</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6205</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6205</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>134752477</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2672040</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2575586</Sole>
             <Shared>0</Shared>
             <None>96454</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>107145357</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2196049</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2103257</Sole>
             <Shared>0</Shared>
             <None>92792</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US TIPS ETF</titleOfClass>
         <cusip>808524870</cusip>
         <value>8304584</value>
         <shrsOrPrnAmt>
             <sshPrnamt>154908</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>152554</Sole>
             <Shared>0</Shared>
             <None>2354</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL SCEQT ETF</titleOfClass>
         <cusip>808524888</cusip>
         <value>312377</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9267</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9007</Sole>
             <Shared>0</Shared>
             <None>260</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MATIV HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808541106</cusip>
         <value>884661</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41205</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>39044</Sole>
             <Shared>0</Shared>
             <None>2161</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LIGHT &amp; WONDER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>80874P109</cusip>
         <value>66958</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1115</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1075</Sole>
             <Shared>0</Shared>
             <None>40</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCOTTS MIRACLE-GRO CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>810186106</cusip>
         <value>14559260</value>
         <shrsOrPrnAmt>
             <sshPrnamt>208765</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>205590</Sole>
             <Shared>0</Shared>
             <None>3175</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCRIPPS E W CO OHIO</nameOfIssuer>
         <titleOfClass>CL A NEW</titleOfClass>
         <cusip>811054402</cusip>
         <value>70689</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7512</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7481</Sole>
             <Shared>0</Shared>
             <None>31</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>14596872</value>
         <shrsOrPrnAmt>
             <sshPrnamt>168651</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>166735</Sole>
             <Shared>0</Shared>
             <None>1916</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEACOAST BKG CORP FLA</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>811707801</cusip>
         <value>981400</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41409</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>41394</Sole>
             <Shared>0</Shared>
             <None>15</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81181C104</cusip>
         <value>4673604</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23083</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>22948</Sole>
             <Shared>0</Shared>
             <None>135</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEABRIDGE GOLD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>811916105</cusip>
         <value>555983</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42933</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>38619</Sole>
             <Shared>0</Shared>
             <None>4314</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81211K100</cusip>
         <value>2588723</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56387</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>55475</Sole>
             <Shared>0</Shared>
             <None>912</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAWORLD ENTMT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81282V100</cusip>
         <value>1417488</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23120</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>22348</Sole>
             <Shared>0</Shared>
             <None>772</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>9349730</value>
         <shrsOrPrnAmt>
             <sshPrnamt>115915</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>111217</Sole>
             <Shared>0</Shared>
             <None>4698</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>79810620</value>
         <shrsOrPrnAmt>
             <sshPrnamt>616466</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>594049</Sole>
             <Shared>0</Shared>
             <None>22417</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>37053318</value>
         <shrsOrPrnAmt>
             <sshPrnamt>495958</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>466828</Sole>
             <Shared>0</Shared>
             <None>29130</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>37145173</value>
         <shrsOrPrnAmt>
             <sshPrnamt>248379</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>241834</Sole>
             <Shared>0</Shared>
             <None>6545</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>88265036</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1065578</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1026366</Sole>
             <Shared>0</Shared>
             <None>39212</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>46948249</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1460242</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1414991</Sole>
             <Shared>0</Shared>
             <None>45251</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>44372353</value>
         <shrsOrPrnAmt>
             <sshPrnamt>438549</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>418360</Sole>
             <Shared>0</Shared>
             <None>20189</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>102121504</value>
         <shrsOrPrnAmt>
             <sshPrnamt>676192</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>652282</Sole>
             <Shared>0</Shared>
             <None>23910</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>31503489</value>
         <shrsOrPrnAmt>
             <sshPrnamt>543435</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>533997</Sole>
             <Shared>0</Shared>
             <None>9438</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>RL EST SEL SEC</titleOfClass>
         <cusip>81369Y860</cusip>
         <value>5130442</value>
         <shrsOrPrnAmt>
             <sshPrnamt>137251</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>133600</Sole>
             <Shared>0</Shared>
             <None>3651</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>36764484</value>
         <shrsOrPrnAmt>
             <sshPrnamt>543110</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>518240</Sole>
             <Shared>0</Shared>
             <None>24870</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEELOS THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81577F109</cusip>
         <value>14033</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20301</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>18301</Sole>
             <Shared>0</Shared>
             <None>2000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816300107</cusip>
         <value>2447717</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25676</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>25676</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>35699708</value>
         <shrsOrPrnAmt>
             <sshPrnamt>236168</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>230825</Sole>
             <Shared>0</Shared>
             <None>5343</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSEONICS HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81727U105</cusip>
         <value>19895</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28020</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>28020</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>81730H109</cusip>
         <value>4174700</value>
         <shrsOrPrnAmt>
             <sshPrnamt>255179</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>254313</Sole>
             <Shared>0</Shared>
             <None>866</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>817565104</cusip>
         <value>878324</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12770</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11640</Sole>
             <Shared>0</Shared>
             <None>1130</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE PPTYS TR</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>81761L102</cusip>
         <value>170050</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17074</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>14611</Sole>
             <Shared>0</Shared>
             <None>2463</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>103862787</value>
         <shrsOrPrnAmt>
             <sshPrnamt>223496</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>214305</Sole>
             <Shared>0</Shared>
             <None>9191</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVISFIRST BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81768T108</cusip>
         <value>3179115</value>
         <shrsOrPrnAmt>
             <sshPrnamt>58194</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>57592</Sole>
             <Shared>0</Shared>
             <None>602</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>48482883</value>
         <shrsOrPrnAmt>
             <sshPrnamt>215669</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>209485</Sole>
             <Shared>0</Shared>
             <None>6184</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHIFT4 PMTS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82452J109</cusip>
         <value>4053933</value>
         <shrsOrPrnAmt>
             <sshPrnamt>53482</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>53482</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOE CARNIVAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824889109</cusip>
         <value>1425638</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55580</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>51487</Sole>
             <Shared>0</Shared>
             <None>4093</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOCKWAVE MED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82489T104</cusip>
         <value>10105970</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46608</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>46452</Sole>
             <Shared>0</Shared>
             <None>156</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
         <value>9635783</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200996</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>191712</Sole>
             <Shared>0</Shared>
             <None>9284</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHUTTERSTOCK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825690100</cusip>
         <value>1827702</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25175</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>23361</Sole>
             <Shared>0</Shared>
             <None>1814</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHYFT GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825698103</cusip>
         <value>1250794</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54978</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>49548</Sole>
             <Shared>0</Shared>
             <None>5430</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIBANYE STILLWATER LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>82575P107</cusip>
         <value>304513</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36600</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>36600</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIENTRA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82621J204</cusip>
         <value>628392</value>
         <shrsOrPrnAmt>
             <sshPrnamt>408046</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>391296</Sole>
             <Shared>0</Shared>
             <None>16750</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SILICON LABORATORIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>826919102</cusip>
         <value>3705961</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21166</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21066</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>29128511</value>
         <shrsOrPrnAmt>
             <sshPrnamt>260138</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>248551</Sole>
             <Shared>0</Shared>
             <None>11587</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPLIFY EXCHANGE TRADED FUN</nameOfIssuer>
         <titleOfClass>HEALTH CARE ETF</titleOfClass>
         <cusip>82889N772</cusip>
         <value>2273246</value>
         <shrsOrPrnAmt>
             <sshPrnamt>90543</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>90186</Sole>
             <Shared>0</Shared>
             <None>357</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPLY GOOD FOODS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82900L102</cusip>
         <value>914119</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22985</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21501</Sole>
             <Shared>0</Shared>
             <None>1484</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPSON MFG INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>829073105</cusip>
         <value>9378192</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85536</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>78187</Sole>
             <Shared>0</Shared>
             <None>7349</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SINCLAIR BROADCAST GROUP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>829226109</cusip>
         <value>394545</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22992</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>22540</Sole>
             <Shared>0</Shared>
             <None>452</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIRIUS XM HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82968B103</cusip>
         <value>316135</value>
         <shrsOrPrnAmt>
             <sshPrnamt>79630</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>76623</Sole>
             <Shared>0</Shared>
             <None>3007</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982L103</cusip>
         <value>17239038</value>
         <shrsOrPrnAmt>
             <sshPrnamt>125952</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>123866</Sole>
             <Shared>0</Shared>
             <None>2086</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITIME CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982T106</cusip>
         <value>766908</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5392</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5353</Sole>
             <Shared>0</Shared>
             <None>39</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITIO ROYALTIES CORP</nameOfIssuer>
         <titleOfClass>CLASS A COM</titleOfClass>
         <cusip>82983N108</cusip>
         <value>2780938</value>
         <shrsOrPrnAmt>
             <sshPrnamt>123050</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>118037</Sole>
             <Shared>0</Shared>
             <None>5013</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIX FLAGS ENTMT CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83001A102</cusip>
         <value>1100295</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41194</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>38521</Sole>
             <Shared>0</Shared>
             <None>2673</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIXTH STREET SPECIALTY LENDI</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83012A109</cusip>
         <value>6754791</value>
         <shrsOrPrnAmt>
             <sshPrnamt>369112</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>365332</Sole>
             <Shared>0</Shared>
             <None>3780</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SKECHERS U S A INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>830566105</cusip>
         <value>855599</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18005</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15905</Sole>
             <Shared>0</Shared>
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         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>PHARMACEUTCL ETF</titleOfClass>
         <cusip>92189F692</cusip>
         <value>908772</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>BIOTECH ETF</titleOfClass>
         <cusip>92189F726</cusip>
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         <titleOfClass>JUNIOR GOLD MINE</titleOfClass>
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         <titleOfClass>VANECK VIETNAM</titleOfClass>
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         <cusip>92189F841</cusip>
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         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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         <cusip>92189H300</cusip>
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         <cusip>92189H409</cusip>
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         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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         <cusip>92189H607</cusip>
         <value>2847986</value>
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         <cusip>92189H805</cusip>
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         <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
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         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
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         <cusip>921932885</cusip>
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         <nameOfIssuer>VANGUARD WELLINGTON FD</nameOfIssuer>
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         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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         <cusip>921937819</cusip>
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         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
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             <Sole>4857026</Sole>
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             <None>163626</None>
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         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>105130962</value>
         <shrsOrPrnAmt>
             <sshPrnamt>996469</sshPrnamt>
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             <Sole>957906</Sole>
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             <None>38563</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL HIGH ETF</titleOfClass>
         <cusip>921946794</cusip>
         <value>9551519</value>
         <shrsOrPrnAmt>
             <sshPrnamt>154182</sshPrnamt>
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             <Sole>152095</Sole>
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             <None>2087</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL DVD ETF</titleOfClass>
         <cusip>921946810</cusip>
         <value>4171723</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56616</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>56020</Sole>
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             <None>596</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>EM MK GOV BD ETF</titleOfClass>
         <cusip>921946885</cusip>
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         <shrsOrPrnAmt>
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             <None>251</None>
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         <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
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             <None>30882</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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             <None>15891</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
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         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE SMCAP ETF</titleOfClass>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>FTSE PACIFIC ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>FTSE EUROPE ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>ENERGY ETF</titleOfClass>
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     <infoTable>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
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     <infoTable>
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         <shrsOrPrnAmt>
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             <None>379</None>
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     <infoTable>
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         <titleOfClass>INF TECH ETF</titleOfClass>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <titleOfClass>MATERIALS ETF</titleOfClass>
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     <infoTable>
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         <cusip>92204A876</cusip>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>SHORT TERM TREAS</titleOfClass>
         <cusip>92206C102</cusip>
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     <infoTable>
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         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
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     <infoTable>
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         <titleOfClass>TOTAL CORP BND</titleOfClass>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>VNG RUS2000GRW</titleOfClass>
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     <infoTable>
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         <titleOfClass>VNG RUS2000VAL</titleOfClass>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000GRW</titleOfClass>
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             <Sole>152401</Sole>
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     <infoTable>
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         <titleOfClass>INTER TERM TREAS</titleOfClass>
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             <Sole>351957</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000VAL</titleOfClass>
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             <None>4000</None>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>LG-TERM COR BD</titleOfClass>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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             <None>25</None>
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         <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30231G102</cusip>
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             <sshPrnamt>27846</sshPrnamt>
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             <None>518</None>
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         <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
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         <cusip>30303M102</cusip>
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         <nameOfIssuer>FARFETCH LTD</nameOfIssuer>
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             <None>386</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>311900104</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>FORTINET INC</nameOfIssuer>
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         <nameOfIssuer>FORWARD AIR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>7866</value>
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         <cusip>35671D857</cusip>
         <value>2291</value>
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         <value>656</value>
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         <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC</nameOfIssuer>
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         <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>38526M106</cusip>
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         <nameOfIssuer>HACKETT GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>404609109</cusip>
         <value>6838</value>
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         <nameOfIssuer>HALLIBURTON CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>406216101</cusip>
         <value>2594</value>
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         <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>437076102</cusip>
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         <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
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         <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
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         <cusip>464288158</cusip>
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         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
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         <cusip>72201R866</cusip>
         <value>40188</value>
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         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
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         <value>39142</value>
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         <cusip>78468R739</cusip>
         <value>41511</value>
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         <nameOfIssuer>SIXTH STREET SPECIALTY LENDI</nameOfIssuer>
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         <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>00123Q104</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>00162Q387</cusip>
         <value>27959</value>
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         <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
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         <cusip>00162Q452</cusip>
         <value>3865</value>
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         <cusip>00162Q858</cusip>
         <value>30472</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <value>81972</value>
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         <cusip>00214Q302</cusip>
         <value>31965</value>
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         <value>9743</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>002824100</cusip>
         <value>7806805</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>00287Y109</cusip>
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         <titleOfClass>PHYSCL PRECS MET</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>055622104</cusip>
         <value>21841</value>
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         <nameOfIssuer>BRC INC</nameOfIssuer>
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         <cusip>05601U105</cusip>
         <value>617</value>
         <shrsOrPrnAmt>
             <sshPrnamt>120</sshPrnamt>
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         <nameOfIssuer>BWX TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>05605H100</cusip>
         <value>22757</value>
         <shrsOrPrnAmt>
             <sshPrnamt>361</sshPrnamt>
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         <nameOfIssuer>BADGER METER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>056525108</cusip>
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             <sshPrnamt>351</sshPrnamt>
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         <value>3923</value>
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         <nameOfIssuer>BALCHEM CORP</nameOfIssuer>
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         <value>40095</value>
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             <sshPrnamt>317</sshPrnamt>
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         <nameOfIssuer>BALL CORP</nameOfIssuer>
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             <sshPrnamt>3074</sshPrnamt>
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         <otherManager>3</otherManager>
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         <nameOfIssuer>BANCFIRST CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>05945F103</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>1257</sshPrnamt>
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         <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA</nameOfIssuer>
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         <cusip>05946K101</cusip>
         <value>945</value>
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             <sshPrnamt>134</sshPrnamt>
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         <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
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         <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
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         <cusip>060505682</cusip>
         <value>11679</value>
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         <nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>063671101</cusip>
         <value>176527</value>
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             <sshPrnamt>1981</sshPrnamt>
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         <nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>064058100</cusip>
         <value>67031</value>
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             <sshPrnamt>1475</sshPrnamt>
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         <nameOfIssuer>BANK OZK LITTLE ROCK ARK</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>06417N103</cusip>
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             <sshPrnamt>169</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BANKUNITED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>BANNER CORP</nameOfIssuer>
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         <value>1522</value>
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         <nameOfIssuer>BARCLAYS PLC</nameOfIssuer>
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         <value>324</value>
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         <nameOfIssuer>BARRICK GOLD CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>067901108</cusip>
         <value>84585</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BATH &amp; BODY WORKS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>695</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>071813109</cusip>
         <value>53255</value>
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         <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
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         <value>1964933</value>
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         <nameOfIssuer>BEIGENE LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>07725L102</cusip>
         <value>83197</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BELDEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>99688</value>
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         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>082490103</cusip>
         <value>300</value>
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         <nameOfIssuer>BENTLEY SYS INC</nameOfIssuer>
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         <value>258543</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>084423102</cusip>
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         <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>084670108</cusip>
         <value>931200</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
         <titleOfClass>CL B NEW</titleOfClass>
         <cusip>084670702</cusip>
         <value>8465869</value>
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         <nameOfIssuer>BERRY GLOBAL GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>08579W103</cusip>
         <value>15787</value>
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         <nameOfIssuer>BEST BUY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>086516101</cusip>
         <value>560101</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BHP GROUP LTD</nameOfIssuer>
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         <cusip>088606108</cusip>
         <value>36525</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BILL HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>090043100</cusip>
         <value>243</value>
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             <sshPrnamt>3</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>BIO RAD LABS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>090572207</cusip>
         <value>66581</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>BIOCRYST PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09058V103</cusip>
         <value>4170</value>
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             <sshPrnamt>500</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>BIOMARIN PHARMACEUTICAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09061G101</cusip>
         <value>157044</value>
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             <sshPrnamt>1615</sshPrnamt>
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         <nameOfIssuer>C3 AI INC</nameOfIssuer>
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         <nameOfIssuer>CBOE GLOBAL MKTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12503M108</cusip>
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         <nameOfIssuer>CBRE GROUP INC</nameOfIssuer>
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         <nameOfIssuer>CF INDS HLDGS INC</nameOfIssuer>
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         <nameOfIssuer>CMS ENERGY CORP</nameOfIssuer>
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         <nameOfIssuer>CAESARS ENTERTAINMENT INC NE</nameOfIssuer>
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         <nameOfIssuer>CALAMOS GBL DYN INCOME FUND</nameOfIssuer>
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         <cusip>128125101</cusip>
         <value>3780</value>
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         <nameOfIssuer>TOPGOLF CALLAWAY BRANDS CORP</nameOfIssuer>
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         <cusip>132061201</cusip>
         <value>10566</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>133034108</cusip>
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         <cusip>133131102</cusip>
         <value>41935</value>
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         <nameOfIssuer>CAMECO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>13321L108</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CANADIAN IMPERIAL BK COMM TO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>136069101</cusip>
         <value>151739</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>3577</Sole>
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         <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
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         <cusip>136375102</cusip>
         <value>457723</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CANADIAN NAT RES LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>136385101</cusip>
         <value>17214</value>
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         <titleOfClass>COM</titleOfClass>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>281</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FTI CONSULTING INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>302941109</cusip>
         <value>443053</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2245</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>2245</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>30303M102</cusip>
         <value>3641780</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17183</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15637</Sole>
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             <None>1546</None>
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     <infoTable>
         <nameOfIssuer>FACTSET RESH SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>303075105</cusip>
         <value>1048959</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2525</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2525</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>303250104</cusip>
         <value>187616</value>
         <shrsOrPrnAmt>
             <sshPrnamt>267</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>267</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FARFETCH LTD</nameOfIssuer>
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         <cusip>30744W107</cusip>
         <value>74</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>15</Sole>
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             <None>0</None>
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         <nameOfIssuer>FARMLAND PARTNERS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31154R109</cusip>
         <value>1466</value>
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             <sshPrnamt>137</sshPrnamt>
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             <Sole>137</Sole>
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             <None>0</None>
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         <nameOfIssuer>FASTENAL CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>311900104</cusip>
         <value>130012</value>
         <shrsOrPrnAmt>
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             <Sole>2411</Sole>
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             <None>0</None>
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         <nameOfIssuer>FEDERAL AGRIC MTG CORP</nameOfIssuer>
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         <cusip>313148306</cusip>
         <value>5061</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>38</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FEDERAL SIGNAL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>313855108</cusip>
         <value>1464</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>27</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FEDEX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31428X106</cusip>
         <value>385112</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1685</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>1635</Sole>
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             <None>50</None>
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     <infoTable>
         <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
         <titleOfClass>MSCI UTILS INDEX</titleOfClass>
         <cusip>316092865</cusip>
         <value>8983</value>
         <shrsOrPrnAmt>
             <sshPrnamt>205</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <Sole>205</Sole>
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     <infoTable>
         <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
         <titleOfClass>MSCI COMMNTN SVC</titleOfClass>
         <cusip>316092873</cusip>
         <value>19296</value>
         <shrsOrPrnAmt>
             <sshPrnamt>527</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>527</Sole>
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     <infoTable>
         <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31620M106</cusip>
         <value>167986</value>
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             <sshPrnamt>3092</sshPrnamt>
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         <votingAuthority>
             <Sole>2772</Sole>
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             <None>320</None>
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     <infoTable>
         <nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>
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         <cusip>31620R303</cusip>
         <value>43879</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1256</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1256</Sole>
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             <None>0</None>
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         <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>316773100</cusip>
         <value>6180</value>
         <shrsOrPrnAmt>
             <sshPrnamt>232</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>232</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST AMERN FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31847R102</cusip>
         <value>8683</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>
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     <infoTable>
         <nameOfIssuer>FIRST BANCORP N C</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>318910106</cusip>
         <value>604</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>17</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST CTZNS BANCSHARES INC N</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>31946M103</cusip>
         <value>10703</value>
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             <sshPrnamt>11</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>11</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST FINL BANCORP OH</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>320209109</cusip>
         <value>1567</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>72</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>194</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>26</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST HORIZON CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>320517105</cusip>
         <value>10668</value>
         <shrsOrPrnAmt>
             <sshPrnamt>600</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>600</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST HAWAIIAN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32051X108</cusip>
         <value>168526</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8169</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8169</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32054K103</cusip>
         <value>27452</value>
         <shrsOrPrnAmt>
             <sshPrnamt>516</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>418</Sole>
             <Shared>0</Shared>
             <None>98</None>
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     <infoTable>
         <nameOfIssuer>FIRST INTST BANCSYSTEM INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>32055Y201</cusip>
         <value>1762</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>59</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST MERCHANTS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>320817109</cusip>
         <value>692</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST REP BK SAN FRANCISCO C</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33616C100</cusip>
         <value>10802</value>
         <shrsOrPrnAmt>
             <sshPrnamt>772</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>772</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR MORNINGSTAR DIVID L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>336917109</cusip>
         <value>105185</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2963</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2963</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>US EQTY OPPT ETF</titleOfClass>
         <cusip>336920103</cusip>
         <value>12439</value>
         <shrsOrPrnAmt>
             <sshPrnamt>148</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>148</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR INTER DURATN PFD &amp;</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33718W103</cusip>
         <value>16861</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1069</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1069</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>CAP STRENGTH ETF</titleOfClass>
         <cusip>33733E104</cusip>
         <value>570170</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7816</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7816</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NY ARCA BIOTECH</titleOfClass>
         <cusip>33733E203</cusip>
         <value>25580</value>
         <shrsOrPrnAmt>
             <sshPrnamt>165</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>165</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DJ INTERNT IDX</titleOfClass>
         <cusip>33733E302</cusip>
         <value>210686</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1425</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1425</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>27780</value>
         <shrsOrPrnAmt>
             <sshPrnamt>276</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>276</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>33734H106</cusip>
         <value>11459996</value>
         <shrsOrPrnAmt>
             <sshPrnamt>285358</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>284134</Sole>
             <Shared>0</Shared>
             <None>1224</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>UTILITIES ALPH</titleOfClass>
         <cusip>33734X184</cusip>
         <value>20614</value>
         <shrsOrPrnAmt>
             <sshPrnamt>628</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>628</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CLOUD COMPUTING</titleOfClass>
         <cusip>33734X192</cusip>
         <value>6021</value>
         <shrsOrPrnAmt>
             <sshPrnamt>90</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>90</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>DJ GLBL DIVID</titleOfClass>
         <cusip>33734X200</cusip>
         <value>183490</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8299</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8299</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ CYB ETF</titleOfClass>
         <cusip>33734X846</cusip>
         <value>29804</value>
         <shrsOrPrnAmt>
             <sshPrnamt>698</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>698</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR SML CP CORE ALPHA F</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33734Y109</cusip>
         <value>9027</value>
         <shrsOrPrnAmt>
             <sshPrnamt>112</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>112</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MID CAP CORE ALPHAD</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735B108</cusip>
         <value>8546</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>95</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>GBL WND ENRG ETF</titleOfClass>
         <cusip>33736G106</cusip>
         <value>8843</value>
         <shrsOrPrnAmt>
             <sshPrnamt>495</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>495</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>DEV MRK EX US</titleOfClass>
         <cusip>33737J174</cusip>
         <value>19335</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>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EMERG MKT ALPH</titleOfClass>
         <cusip>33737J182</cusip>
         <value>22048</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1040</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1040</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CP GR ALPH</titleOfClass>
         <cusip>33737M102</cusip>
         <value>147357</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2477</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2477</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CAP VAL FD</titleOfClass>
         <cusip>33737M201</cusip>
         <value>121589</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2783</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2783</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR ENERGY INFRASTRCTR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738C103</cusip>
         <value>30831</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2150</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2150</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NO AMER ENERGY</titleOfClass>
         <cusip>33738D101</cusip>
         <value>35897</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1348</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1348</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SENIOR LN FD</titleOfClass>
         <cusip>33738D309</cusip>
         <value>126202</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2791</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2791</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR TA HIYL</titleOfClass>
         <cusip>33738D408</cusip>
         <value>109896</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2764</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2764</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR HIGH INCOME LONG /</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738E109</cusip>
         <value>19586</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1726</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1726</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASD TECH DIV</titleOfClass>
         <cusip>33738R118</cusip>
         <value>48951</value>
         <shrsOrPrnAmt>
             <sshPrnamt>905</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>905</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>10685</value>
         <shrsOrPrnAmt>
             <sshPrnamt>530</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>530</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
         <cusip>33738R506</cusip>
         <value>276093</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6153</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6153</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ SEMCNDTR</titleOfClass>
         <cusip>33738R811</cusip>
         <value>8036</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>124</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>PFD SECS INC ETF</titleOfClass>
         <cusip>33739E108</cusip>
         <value>1400635</value>
         <shrsOrPrnAmt>
             <sshPrnamt>87762</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>87362</Sole>
             <Shared>0</Shared>
             <None>400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
         <titleOfClass>FST TR GLB FD</titleOfClass>
         <cusip>33739H101</cusip>
         <value>26168</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1114</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1114</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>MANAGD MUN ETF</titleOfClass>
         <cusip>33739N108</cusip>
         <value>83384</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1637</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1637</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>LNG/SHT EQUITY</titleOfClass>
         <cusip>33739P103</cusip>
         <value>2155365</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42420</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>42420</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>INSTL PFD SECS</titleOfClass>
         <cusip>33739P855</cusip>
         <value>16852</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1006</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1006</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FST LOW OPPT EFT</titleOfClass>
         <cusip>33739Q200</cusip>
         <value>108399</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2266</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2266</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR ENH NEW</titleOfClass>
         <cusip>33739Q408</cusip>
         <value>128125</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2153</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2153</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>EQUITYCOMPASS</titleOfClass>
         <cusip>33740F607</cusip>
         <value>29611</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1330</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>473</Sole>
             <Shared>0</Shared>
             <None>857</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>TCW OPPORTUNIS</titleOfClass>
         <cusip>33740F805</cusip>
         <value>102422</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2273</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2273</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>11060</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>FIRSTCASH HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33768G107</cusip>
         <value>66092</value>
         <shrsOrPrnAmt>
             <sshPrnamt>693</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>693</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>460035</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4070</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3923</Sole>
             <Shared>0</Shared>
             <None>147</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337932107</cusip>
         <value>8693</value>
         <shrsOrPrnAmt>
             <sshPrnamt>217</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>217</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVE BELOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33829M101</cusip>
         <value>116168</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>FIVE9 INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338307101</cusip>
         <value>14820</value>
         <shrsOrPrnAmt>
             <sshPrnamt>205</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>205</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>MORNSTAR UPSTR</titleOfClass>
         <cusip>33939L407</cusip>
         <value>9748</value>
         <shrsOrPrnAmt>
             <sshPrnamt>231</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>231</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>INTL QLTDV IDX</titleOfClass>
         <cusip>33939L837</cusip>
         <value>36896</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1671</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1671</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>QLT DIV DEF IDX</titleOfClass>
         <cusip>33939L845</cusip>
         <value>9952</value>
         <shrsOrPrnAmt>
             <sshPrnamt>188</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>188</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>FLEXSHARES ULTRA</titleOfClass>
         <cusip>33939L886</cusip>
         <value>826540</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11050</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11050</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLOOR &amp; DECOR HLDGS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>339750101</cusip>
         <value>66987</value>
         <shrsOrPrnAmt>
             <sshPrnamt>682</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>682</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>
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         <nameOfIssuer>IAC INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>44891N208</cusip>
         <value>25905</value>
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             <sshPrnamt>502</sshPrnamt>
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         <nameOfIssuer>ICF INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>44925C103</cusip>
         <value>44208</value>
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             <sshPrnamt>403</sshPrnamt>
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         <nameOfIssuer>IPG PHOTONICS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>44980X109</cusip>
         <value>3576</value>
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             <sshPrnamt>29</sshPrnamt>
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         <nameOfIssuer>ITT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45073V108</cusip>
         <value>12599</value>
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             <sshPrnamt>146</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ICAHN ENTERPRISES LP</nameOfIssuer>
         <titleOfClass>DEPOSITARY UNIT</titleOfClass>
         <cusip>451100101</cusip>
         <value>5171</value>
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         <nameOfIssuer>IDACORP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>451107106</cusip>
         <value>7691</value>
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             <sshPrnamt>71</sshPrnamt>
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         <nameOfIssuer>IDEX CORP</nameOfIssuer>
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             <sshPrnamt>295</sshPrnamt>
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         <nameOfIssuer>IDEXX LABS INC</nameOfIssuer>
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         <cusip>45168D104</cusip>
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             <sshPrnamt>1540</sshPrnamt>
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         <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
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         <value>3376948</value>
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             <sshPrnamt>13865</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ILLUMINA INC</nameOfIssuer>
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             <sshPrnamt>1248</sshPrnamt>
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         <nameOfIssuer>INDEPENDENCE RLTY TR INC</nameOfIssuer>
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         <cusip>45378A106</cusip>
         <value>882</value>
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             <sshPrnamt>55</sshPrnamt>
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         <nameOfIssuer>INDEPENDENT BK CORP MASS</nameOfIssuer>
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         <nameOfIssuer>INDEPENDENT BANK GROUP INC</nameOfIssuer>
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         <value>1345</value>
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             <sshPrnamt>29</sshPrnamt>
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         <nameOfIssuer>INGERSOLL RAND INC</nameOfIssuer>
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         <value>37585</value>
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             <sshPrnamt>646</sshPrnamt>
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             <Sole>646</Sole>
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         <nameOfIssuer>INGEVITY CORP</nameOfIssuer>
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         <value>1788</value>
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             <sshPrnamt>25</sshPrnamt>
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         <nameOfIssuer>INGREDION INC</nameOfIssuer>
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         <cusip>457187102</cusip>
         <value>22391</value>
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             <sshPrnamt>220</sshPrnamt>
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         <nameOfIssuer>INSIGHT ENTERPRISES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45765U103</cusip>
         <value>3574</value>
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             <sshPrnamt>25</sshPrnamt>
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         <nameOfIssuer>INNOSPEC INC</nameOfIssuer>
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         <nameOfIssuer>INSPIRE MED SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>INOVIO PHARMACEUTICALS INC</nameOfIssuer>
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         <cusip>45773H201</cusip>
         <value>118</value>
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         <nameOfIssuer>INSPERITY INC</nameOfIssuer>
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         <nameOfIssuer>INSTRUCTURE HLDGS INC</nameOfIssuer>
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         <nameOfIssuer>INSULET CORP</nameOfIssuer>
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         <nameOfIssuer>INTEL CORP</nameOfIssuer>
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         <nameOfIssuer>INTEGER HLDGS CORP</nameOfIssuer>
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         <nameOfIssuer>INTER PARFUMS INC</nameOfIssuer>
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         <nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>
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         <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
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         <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>459200101</cusip>
         <value>2409387</value>
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         <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA</nameOfIssuer>
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         <cusip>459506101</cusip>
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         <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
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         <nameOfIssuer>INTERPUBLIC GROUP COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>460690100</cusip>
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         <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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         <nameOfIssuer>INTUIT</nameOfIssuer>
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         <value>781094</value>
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         <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
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         <cusip>46120E602</cusip>
         <value>1918830</value>
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     <infoTable>
         <nameOfIssuer>INVESCO TR INVT GRADE MUNS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46131M106</cusip>
         <value>4025</value>
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         <titleOfClass>COM</titleOfClass>
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         <shrsOrPrnAmt>
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         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>AEROSPACE DEFN</titleOfClass>
         <cusip>46137V100</cusip>
         <value>443347</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5504</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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         <cusip>46137V142</cusip>
         <value>506961</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9503</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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         <cusip>46137V241</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>120</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>BUYBACK ACHIEV</titleOfClass>
         <cusip>46137V308</cusip>
         <value>16333</value>
         <shrsOrPrnAmt>
             <sshPrnamt>192</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
         <cusip>46137V357</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>136495</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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             <None>9346</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P MDCP MOMNTUM</titleOfClass>
         <cusip>46137V464</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>145</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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         <cusip>46137V498</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>534</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>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>FINL PFD ETF</titleOfClass>
         <cusip>46137V621</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>16676</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>DWA BASIC MATL</titleOfClass>
         <cusip>46137V704</cusip>
         <value>390281</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4591</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>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>DYNMC FOOD BEV</titleOfClass>
         <cusip>46137V753</cusip>
         <value>420117</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9064</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>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>DYNMC BLDG CON</titleOfClass>
         <cusip>46137V779</cusip>
         <value>422601</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9209</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9209</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>DWA HEALTHCARE</titleOfClass>
         <cusip>46137V852</cusip>
         <value>15155</value>
         <shrsOrPrnAmt>
             <sshPrnamt>135</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>135</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
         <titleOfClass>UNIT</titleOfClass>
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         <value>12180</value>
         <shrsOrPrnAmt>
             <sshPrnamt>513</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>513</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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         <cusip>46138E123</cusip>
         <value>179885</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1885</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1885</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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         <cusip>46138E172</cusip>
         <value>178555</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1625</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>S&amp;P MIDCP LOW</titleOfClass>
         <cusip>46138E198</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>3010</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <None>60</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>S&amp;P GBL WATER</titleOfClass>
         <cusip>46138E263</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>3487</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>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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         <cusip>46138E354</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>930</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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         <cusip>46138E362</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>1319</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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         <cusip>46138E404</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>4875</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>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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         <shrsOrPrnAmt>
             <sshPrnamt>15918</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
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         <cusip>46138E511</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>960</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>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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         <cusip>46138E537</cusip>
         <value>179836</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7594</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>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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         <cusip>46138E784</cusip>
         <value>30075</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1568</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>
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         <cusip>46138G201</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>3042</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>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>SR LN ETF</titleOfClass>
         <cusip>46138G508</cusip>
         <value>4576</value>
         <shrsOrPrnAmt>
             <sshPrnamt>220</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>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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         <cusip>46138G664</cusip>
         <value>14019</value>
         <shrsOrPrnAmt>
             <sshPrnamt>125</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>SOLAR ETF</titleOfClass>
         <cusip>46138G706</cusip>
         <value>16535</value>
         <shrsOrPrnAmt>
             <sshPrnamt>213</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>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>TAXABLE MUN BD</titleOfClass>
         <cusip>46138G805</cusip>
         <value>21504</value>
         <shrsOrPrnAmt>
             <sshPrnamt>800</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>BULSHS 2023 HY</titleOfClass>
         <cusip>46138J858</cusip>
         <value>122578</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5204</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>
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         <cusip>46140H106</cusip>
         <value>526712</value>
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             <sshPrnamt>25761</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>25601</Sole>
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             <None>160</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>46187W107</cusip>
         <value>6809</value>
         <shrsOrPrnAmt>
             <sshPrnamt>218</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>46</Sole>
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             <None>172</None>
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     <infoTable>
         <nameOfIssuer>IONIS PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>462222100</cusip>
         <value>22124</value>
         <shrsOrPrnAmt>
             <sshPrnamt>619</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>619</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>545950</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2745</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2645</Sole>
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             <None>100</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>462726100</cusip>
         <value>21820</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>
     <infoTable>
         <nameOfIssuer>IRON MTN INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46284V101</cusip>
         <value>68528</value>
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         <titleOfClass>COM</titleOfClass>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>20439</value>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
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             <None>750</None>
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         <titleOfClass>COMMON STOCK</titleOfClass>
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         <value>7079</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>6468044</value>
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             <None>0</None>
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         <value>3691854</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>654110105</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>43733</value>
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         <value>6771</value>
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         <value>229816</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>655844108</cusip>
         <value>463710</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>5099</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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             <None>0</None>
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         <nameOfIssuer>NORTHERN TR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>665859104</cusip>
         <value>38249</value>
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             <sshPrnamt>434</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>666807102</cusip>
         <value>1411285</value>
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             <None>0</None>
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         <nameOfIssuer>NORTHWEST BANCSHARES INC MD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>667340103</cusip>
         <value>9085</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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             <None>0</None>
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         <nameOfIssuer>GEN DIGITAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>668771108</cusip>
         <value>16783</value>
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             <sshPrnamt>978</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NOVAGOLD RES INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>66987E206</cusip>
         <value>7850</value>
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             <None>0</None>
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         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>66987V109</cusip>
         <value>522902</value>
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             <None>180</None>
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     <infoTable>
         <nameOfIssuer>NOVANTA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67000B104</cusip>
         <value>2705</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NOVO-NORDISK A S</nameOfIssuer>
         <titleOfClass>ADR</titleOfClass>
         <cusip>670100205</cusip>
         <value>366023</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Shared>0</Shared>
             <None>30</None>
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     <infoTable>
         <nameOfIssuer>NUCOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670346105</cusip>
         <value>51328</value>
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             <sshPrnamt>332</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>3</otherManager>
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             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUSTAR ENERGY LP</nameOfIssuer>
         <titleOfClass>UNIT COM</titleOfClass>
         <cusip>67058H102</cusip>
         <value>5358</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>NUVEEN AMT FREE QLTY MUN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670657105</cusip>
         <value>73626</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6621</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>6621</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
         <value>5590928</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20126</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>3</otherManager>
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             <Shared>0</Shared>
             <None>125</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066V101</cusip>
         <value>276547</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>
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         <titleOfClass>COM</titleOfClass>
         <cusip>670704105</cusip>
         <value>620</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>NUVEEN MUNICIPAL CREDIT INC</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>67070X101</cusip>
         <value>37334</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67071L106</cusip>
         <value>36937</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>3136</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN GEORGIA QLTY MUN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072B107</cusip>
         <value>37816</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3718</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>3718</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME SECS FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072C105</cusip>
         <value>29490</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>4565</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME OPPORTUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67073B106</cusip>
         <value>9457</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1437</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN CR STRATEGIES INCOME</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67073D102</cusip>
         <value>5876</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1150</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>NUTRIEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67077M108</cusip>
         <value>374420</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>5070</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN VRIABL RAT PFD &amp; INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67080R102</cusip>
         <value>709351</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44783</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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         <cusip>670837103</cusip>
         <value>9830</value>
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         <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670928100</cusip>
         <value>34747</value>
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         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
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         <cusip>67092P607</cusip>
         <value>107292</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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         <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103H107</cusip>
         <value>1079068</value>
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             <sshPrnamt>1271</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>30</None>
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         <nameOfIssuer>CHORD ENERGY CORPORATION</nameOfIssuer>
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         <cusip>674215207</cusip>
         <value>4711</value>
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             <sshPrnamt>35</sshPrnamt>
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         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>674599105</cusip>
         <value>120492</value>
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             <sshPrnamt>1930</sshPrnamt>
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         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
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         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
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         <cusip>679580100</cusip>
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         <nameOfIssuer>OLD NATL BANCORP IND</nameOfIssuer>
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         <cusip>680033107</cusip>
         <value>1817</value>
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         <nameOfIssuer>OLD REP INTL CORP</nameOfIssuer>
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         <cusip>680223104</cusip>
         <value>10313</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>413</Sole>
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         <nameOfIssuer>OLIN CORP</nameOfIssuer>
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         <cusip>680665205</cusip>
         <value>5883</value>
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         <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
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         <cusip>681116109</cusip>
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         <nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
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         <value>17165</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>ON SEMICONDUCTOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682189105</cusip>
         <value>122737</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>OMNIAB INC</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682680103</cusip>
         <value>50170</value>
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         <nameOfIssuer>ONEMAIN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68268W103</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>683344105</cusip>
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         <nameOfIssuer>OPENDOOR TECHNOLOGIES INC</nameOfIssuer>
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         <cusip>683712103</cusip>
         <value>37775</value>
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         <cusip>68389X105</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
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         <cusip>68622V106</cusip>
         <value>157784</value>
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         <nameOfIssuer>OSHKOSH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>688239201</cusip>
         <value>60566</value>
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         <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68902V107</cusip>
         <value>35886</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>69007J106</cusip>
         <value>24345</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>OWENS CORNING NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>690742101</cusip>
         <value>40043</value>
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             <sshPrnamt>418</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>OWL ROCK CAPITAL CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69121K104</cusip>
         <value>206816</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>OXFORD INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>691497309</cusip>
         <value>1056</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PDC ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69327R101</cusip>
         <value>67655</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PG&amp;E CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69331C108</cusip>
         <value>15945</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PGIM ETF TR</nameOfIssuer>
         <titleOfClass>PGIM ULTRA SH BD</titleOfClass>
         <cusip>69344A107</cusip>
         <value>49300</value>
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             <sshPrnamt>1000</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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         <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693475105</cusip>
         <value>950114</value>
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             <sshPrnamt>7475</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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         <nameOfIssuer>PPG INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693506107</cusip>
         <value>191176</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>PPL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69351T106</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>5968</Sole>
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             <None>0</None>
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         <nameOfIssuer>PACCAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693718108</cusip>
         <value>135168</value>
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             <sshPrnamt>1847</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1627</Sole>
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         <titleOfClass>LUNT LRG CP ALTR</titleOfClass>
         <cusip>69374H717</cusip>
         <value>57866</value>
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             <sshPrnamt>1524</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1524</Sole>
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             <sshPrnamt>1840</sshPrnamt>
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         <value>830748</value>
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             <sshPrnamt>17697</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>34</sshPrnamt>
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             <Sole>1726</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>76954A103</cusip>
         <value>77495</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5006</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4906</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROBERT HALF INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>770323103</cusip>
         <value>211336</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2623</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2623</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROBLOX CORP</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>771049103</cusip>
         <value>134985</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3001</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3001</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROCKET PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>77313F106</cusip>
         <value>17130</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>773903109</cusip>
         <value>267815</value>
         <shrsOrPrnAmt>
             <sshPrnamt>913</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>909</Sole>
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             <None>4</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROLLINS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>775711104</cusip>
         <value>206265</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5496</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5496</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>776696106</cusip>
         <value>849388</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1927</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1792</Sole>
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             <None>135</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>778296103</cusip>
         <value>106994</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1008</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>898</Sole>
             <Shared>0</Shared>
             <None>110</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROYAL BK CDA SUSTAINABL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>780087102</cusip>
         <value>4684</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>49</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHELL PLC</nameOfIssuer>
         <titleOfClass>SPON ADS</titleOfClass>
         <cusip>780259305</cusip>
         <value>263737</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4578</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4570</Sole>
             <Shared>0</Shared>
             <None>8</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROYAL GOLD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>780287108</cusip>
         <value>67455</value>
         <shrsOrPrnAmt>
             <sshPrnamt>520</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>370</Sole>
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             <None>150</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROYCE VALUE TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>780910105</cusip>
         <value>27140</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>2000</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>RYANAIR HOLDINGS PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>783513203</cusip>
         <value>54403</value>
         <shrsOrPrnAmt>
             <sshPrnamt>577</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>577</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RYDER SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>783549108</cusip>
         <value>46135</value>
         <shrsOrPrnAmt>
             <sshPrnamt>517</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>517</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RYMAN HOSPITALITY PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78377T107</cusip>
         <value>14178</value>
         <shrsOrPrnAmt>
             <sshPrnamt>158</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>158</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
         <value>850921</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2468</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2406</Sole>
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             <None>62</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>78410G104</cusip>
         <value>72614</value>
         <shrsOrPrnAmt>
             <sshPrnamt>278</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>269</Sole>
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             <None>9</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEI INVTS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>784117103</cusip>
         <value>16919</value>
         <shrsOrPrnAmt>
             <sshPrnamt>294</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>294</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SK TELECOM LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>78440P306</cusip>
         <value>3364</value>
         <shrsOrPrnAmt>
             <sshPrnamt>164</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>164</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>4493880</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10977</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10893</Sole>
             <Shared>0</Shared>
             <None>84</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPS COMM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78463M107</cusip>
         <value>63663</value>
         <shrsOrPrnAmt>
             <sshPrnamt>418</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>418</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>3955912</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21591</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18362</Sole>
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             <None>3229</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>GLB NAT RESRCE</titleOfClass>
         <cusip>78463X541</cusip>
         <value>24291</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>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
         <cusip>78463X889</cusip>
         <value>84283</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2624</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2624</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>24191</value>
         <shrsOrPrnAmt>
             <sshPrnamt>328</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>328</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLOOMBERG</titleOfClass>
         <cusip>78464A284</cusip>
         <value>25040</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
         <cusip>78464A300</cusip>
         <value>14931</value>
         <shrsOrPrnAmt>
             <sshPrnamt>196</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>196</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BBG CONV SEC ETF</titleOfClass>
         <cusip>78464A359</cusip>
         <value>40711</value>
         <shrsOrPrnAmt>
             <sshPrnamt>607</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>607</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORT MTG BK ETF</titleOfClass>
         <cusip>78464A383</cusip>
         <value>6388</value>
         <shrsOrPrnAmt>
             <sshPrnamt>288</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>288</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
         <cusip>78464A409</cusip>
         <value>326416</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5895</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5895</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
         <cusip>78464A508</cusip>
         <value>24105</value>
         <shrsOrPrnAmt>
             <sshPrnamt>592</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>592</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
         <cusip>78464A664</cusip>
         <value>471244</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15260</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7348</Sole>
             <Shared>0</Shared>
             <None>7912</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P REGL BKG</titleOfClass>
         <cusip>78464A698</cusip>
         <value>9701</value>
         <shrsOrPrnAmt>
             <sshPrnamt>221</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>221</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P METALS MNG</titleOfClass>
         <cusip>78464A755</cusip>
         <value>10791</value>
         <shrsOrPrnAmt>
             <sshPrnamt>203</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>203</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
         <cusip>78464A763</cusip>
         <value>266529</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2155</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2155</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P INS ETF</titleOfClass>
         <cusip>78464A789</cusip>
         <value>1811</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>46</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>37437</value>
         <shrsOrPrnAmt>
             <sshPrnamt>547</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>547</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
         <cusip>78464A839</cusip>
         <value>59738</value>
         <shrsOrPrnAmt>
             <sshPrnamt>904</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>904</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P BIOTECH</titleOfClass>
         <cusip>78464A870</cusip>
         <value>7621</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78467J100</cusip>
         <value>137958</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2443</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2367</Sole>
             <Shared>0</Shared>
             <None>76</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>INCOM ALLO ETF</titleOfClass>
         <cusip>78467V202</cusip>
         <value>277429</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9146</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9146</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>BLACKSTONE SENR</titleOfClass>
         <cusip>78467V608</cusip>
         <value>2050019</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49446</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>49204</Sole>
             <Shared>0</Shared>
             <None>242</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
         <titleOfClass>UT SER 1</titleOfClass>
         <cusip>78467X109</cusip>
         <value>1154555</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3470</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3470</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
         <cusip>78467Y107</cusip>
         <value>283688</value>
         <shrsOrPrnAmt>
             <sshPrnamt>617</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>617</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
         <cusip>78468R622</cusip>
         <value>9004</value>
         <shrsOrPrnAmt>
             <sshPrnamt>97</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>97</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>4219978</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45959</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21957</Sole>
             <Shared>0</Shared>
             <None>24002</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG MU</titleOfClass>
         <cusip>78468R721</cusip>
         <value>39844</value>
         <shrsOrPrnAmt>
             <sshPrnamt>851</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>816</Sole>
             <Shared>0</Shared>
             <None>35</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>66666</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1402</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1362</Sole>
             <Shared>0</Shared>
             <None>40</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SABRE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78573M104</cusip>
         <value>4775</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1113</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1113</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAFETY INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78648T100</cusip>
         <value>522</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAIA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78709Y105</cusip>
         <value>171681</value>
         <shrsOrPrnAmt>
             <sshPrnamt>631</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>631</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>2766153</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13846</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13159</Sole>
             <Shared>0</Shared>
             <None>687</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANMINA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>801056102</cusip>
         <value>13785</value>
         <shrsOrPrnAmt>
             <sshPrnamt>226</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>226</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANOFI</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>80105N105</cusip>
         <value>216433</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3977</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3821</Sole>
             <Shared>0</Shared>
             <None>156</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>571633</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4517</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4517</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAREPTA THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>803607100</cusip>
         <value>16265</value>
         <shrsOrPrnAmt>
             <sshPrnamt>118</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>112</Sole>
             <Shared>0</Shared>
             <None>6</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806407102</cusip>
         <value>389926</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4782</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4782</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM STK</titleOfClass>
         <cusip>806857108</cusip>
         <value>56704</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1154</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1154</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>214677</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4098</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3820</Sole>
             <Shared>0</Shared>
             <None>278</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US BRD MKT ETF</titleOfClass>
         <cusip>808524102</cusip>
         <value>43926</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>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LRG CAP ETF</titleOfClass>
         <cusip>808524201</cusip>
         <value>229274</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 MID-CAP ETF</titleOfClass>
         <cusip>808524508</cusip>
         <value>56384</value>
         <shrsOrPrnAmt>
             <sshPrnamt>831</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>831</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>58703</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1400</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
         <cusip>808524706</cusip>
         <value>14099</value>
         <shrsOrPrnAmt>
             <sshPrnamt>575</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>575</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>227489</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3110</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3110</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>57420</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>INT-TRM U.S TRES</titleOfClass>
         <cusip>808524854</cusip>
         <value>1232165</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24433</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12267</Sole>
             <Shared>0</Shared>
             <None>12166</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>1015369</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20811</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11687</Sole>
             <Shared>0</Shared>
             <None>9124</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US TIPS ETF</titleOfClass>
         <cusip>808524870</cusip>
         <value>5361</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MATIV HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808541106</cusip>
         <value>89165</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4153</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4153</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCOTTS MIRACLE-GRO CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>810186106</cusip>
         <value>205332</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2944</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2814</Sole>
             <Shared>0</Shared>
             <None>130</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>110960</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1282</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1278</Sole>
             <Shared>0</Shared>
             <None>4</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81181C104</cusip>
         <value>115810</value>
         <shrsOrPrnAmt>
             <sshPrnamt>572</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>566</Sole>
             <Shared>0</Shared>
             <None>6</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81211K100</cusip>
         <value>77643</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1691</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1691</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>305271</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3785</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3782</Sole>
             <Shared>0</Shared>
             <None>3</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>1313135</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10138</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10102</Sole>
             <Shared>0</Shared>
             <None>36</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>1373307</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18383</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18380</Sole>
             <Shared>0</Shared>
             <None>3</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>81350</value>
         <shrsOrPrnAmt>
             <sshPrnamt>544</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>541</Sole>
             <Shared>0</Shared>
             <None>3</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>990337</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11956</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11909</Sole>
             <Shared>0</Shared>
             <None>47</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>716569</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22287</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>22269</Sole>
             <Shared>0</Shared>
             <None>18</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>256464</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2535</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2527</Sole>
             <Shared>0</Shared>
             <None>8</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>1797207</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11902</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11891</Sole>
             <Shared>0</Shared>
             <None>11</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>47074</value>
         <shrsOrPrnAmt>
             <sshPrnamt>812</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>808</Sole>
             <Shared>0</Shared>
             <None>4</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>RL EST SEL SEC</titleOfClass>
         <cusip>81369Y860</cusip>
         <value>33000</value>
         <shrsOrPrnAmt>
             <sshPrnamt>882</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>882</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>460776</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6806</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6802</Sole>
             <Shared>0</Shared>
             <None>4</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEELOS THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81577F109</cusip>
         <value>270</value>
         <shrsOrPrnAmt>
             <sshPrnamt>391</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>391</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816300107</cusip>
         <value>22692</value>
         <shrsOrPrnAmt>
             <sshPrnamt>238</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>238</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>363033</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2401</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2370</Sole>
             <Shared>0</Shared>
             <None>31</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSEONICS HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81727U105</cusip>
         <value>7455</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>1671588</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3597</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3578</Sole>
             <Shared>0</Shared>
             <None>19</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>1553444</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6909</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6767</Sole>
             <Shared>0</Shared>
             <None>142</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOE CARNIVAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824889109</cusip>
         <value>3976</value>
         <shrsOrPrnAmt>
             <sshPrnamt>155</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>155</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOCKWAVE MED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82489T104</cusip>
         <value>3903</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>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
         <value>266981</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5569</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5537</Sole>
             <Shared>0</Shared>
             <None>32</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHORE BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825107105</cusip>
         <value>726195</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50854</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>50854</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHUTTERSTOCK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825690100</cusip>
         <value>5735</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>SHYFT GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825698103</cusip>
         <value>1911</value>
         <shrsOrPrnAmt>
             <sshPrnamt>84</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>84</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SILICON LABORATORIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>826919102</cusip>
         <value>5603</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>32</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>70318</value>
         <shrsOrPrnAmt>
             <sshPrnamt>628</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>628</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPLY GOOD FOODS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82900L102</cusip>
         <value>43191</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1086</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1086</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPSON MFG INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>829073105</cusip>
         <value>326505</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2978</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2978</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SINCLAIR BROADCAST GROUP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>829226109</cusip>
         <value>1596</value>
         <shrsOrPrnAmt>
             <sshPrnamt>93</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>93</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982L103</cusip>
         <value>209137</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1528</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1528</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITIME CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982T106</cusip>
         <value>2418</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>17</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIX FLAGS ENTMT CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83001A102</cusip>
         <value>20059</value>
         <shrsOrPrnAmt>
             <sshPrnamt>751</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>751</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIXTH STREET SPECIALTY LENDI</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83012A109</cusip>
         <value>56511</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3088</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3088</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SKYLINE CHAMPION CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>830830105</cusip>
         <value>54692</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>SKYWORKS SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83088M102</cusip>
         <value>103606</value>
         <shrsOrPrnAmt>
             <sshPrnamt>878</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>878</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SLEEP NUMBER CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83125X103</cusip>
         <value>47561</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1564</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1564</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMITH A O CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>831865209</cusip>
         <value>65691</value>
         <shrsOrPrnAmt>
             <sshPrnamt>950</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>950</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>433796</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1757</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1757</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>83304A106</cusip>
         <value>15918</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1420</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1362</Sole>
             <Shared>0</Shared>
             <None>58</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>833445109</cusip>
         <value>114323</value>
         <shrsOrPrnAmt>
             <sshPrnamt>741</sshPrnamt>
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         <cusip>868459108</cusip>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>OIL SERVICES ETF</titleOfClass>
         <cusip>92189H607</cusip>
         <value>111266</value>
         <shrsOrPrnAmt>
             <sshPrnamt>401</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>401</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>RARE EARTH/STRTG</titleOfClass>
         <cusip>92189H805</cusip>
         <value>4732</value>
         <shrsOrPrnAmt>
             <sshPrnamt>58</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>58</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
         <titleOfClass>DIV APP ETF</titleOfClass>
         <cusip>921908844</cusip>
         <value>3506890</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22767</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21974</Sole>
             <Shared>0</Shared>
             <None>793</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
         <titleOfClass>VG TL INTL STK F</titleOfClass>
         <cusip>921909768</cusip>
         <value>422739</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7650</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7286</Sole>
             <Shared>0</Shared>
             <None>364</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ESG US STK ETF</titleOfClass>
         <cusip>921910733</cusip>
         <value>37409</value>
         <shrsOrPrnAmt>
             <sshPrnamt>522</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>522</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA GRWTH IND</titleOfClass>
         <cusip>921910816</cusip>
         <value>4942</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>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>SMLLCP 600 IDX</titleOfClass>
         <cusip>921932828</cusip>
         <value>917860</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10338</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10338</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>MIDCP 400 IDX</titleOfClass>
         <cusip>921932885</cusip>
         <value>1037320</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12253</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12253</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>LONG TERM BOND</titleOfClass>
         <cusip>921937793</cusip>
         <value>11955</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>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>INTERMED TERM</titleOfClass>
         <cusip>921937819</cusip>
         <value>17803</value>
         <shrsOrPrnAmt>
             <sshPrnamt>232</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>232</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>SHORT TRM BOND</titleOfClass>
         <cusip>921937827</cusip>
         <value>797025</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10420</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10420</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>12920</value>
         <shrsOrPrnAmt>
             <sshPrnamt>175</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>175</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>5051975</value>
         <shrsOrPrnAmt>
             <sshPrnamt>111844</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>111844</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>3363614</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31883</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>31699</Sole>
             <Shared>0</Shared>
             <None>184</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL HIGH ETF</titleOfClass>
         <cusip>921946794</cusip>
         <value>12328</value>
         <shrsOrPrnAmt>
             <sshPrnamt>199</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>199</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>EM MK GOV BD ETF</titleOfClass>
         <cusip>921946885</cusip>
         <value>14728</value>
         <shrsOrPrnAmt>
             <sshPrnamt>236</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>236</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
         <titleOfClass>STRM INFPROIDX</titleOfClass>
         <cusip>922020805</cusip>
         <value>25345</value>
         <shrsOrPrnAmt>
             <sshPrnamt>530</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>530</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
         <titleOfClass>TOTAL INT BD ETF</titleOfClass>
         <cusip>92203J407</cusip>
         <value>85317</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1744</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1744</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>GLB EX US ETF</titleOfClass>
         <cusip>922042676</cusip>
         <value>14445</value>
         <shrsOrPrnAmt>
             <sshPrnamt>356</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>356</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>TT WRLD ST ETF</titleOfClass>
         <cusip>922042742</cusip>
         <value>463212</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5032</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5032</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>ALLWRLD EX US</titleOfClass>
         <cusip>922042775</cusip>
         <value>230242</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4306</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4106</Sole>
             <Shared>0</Shared>
             <None>200</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>2834680</value>
         <shrsOrPrnAmt>
             <sshPrnamt>70161</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>69541</Sole>
             <Shared>0</Shared>
             <None>620</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EUROPE ETF</titleOfClass>
         <cusip>922042874</cusip>
         <value>6705</value>
         <shrsOrPrnAmt>
             <sshPrnamt>110</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>110</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>CONSUM DIS ETF</titleOfClass>
         <cusip>92204A108</cusip>
         <value>19699</value>
         <shrsOrPrnAmt>
             <sshPrnamt>78</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>78</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>CONSUM STP ETF</titleOfClass>
         <cusip>92204A207</cusip>
         <value>25545</value>
         <shrsOrPrnAmt>
             <sshPrnamt>132</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>132</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
         <value>219893</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1925</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1925</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>9372</value>
         <shrsOrPrnAmt>
             <sshPrnamt>120</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>120</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
         <value>9559</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>40</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>INDUSTRIAL ETF</titleOfClass>
         <cusip>92204A603</cusip>
         <value>30673</value>
         <shrsOrPrnAmt>
             <sshPrnamt>161</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>161</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>INF TECH ETF</titleOfClass>
         <cusip>92204A702</cusip>
         <value>148105</value>
         <shrsOrPrnAmt>
             <sshPrnamt>384</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>384</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>MATERIALS ETF</titleOfClass>
         <cusip>92204A801</cusip>
         <value>69394</value>
         <shrsOrPrnAmt>
             <sshPrnamt>390</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>390</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>UTILITIES ETF</titleOfClass>
         <cusip>92204A876</cusip>
         <value>26554</value>
         <shrsOrPrnAmt>
             <sshPrnamt>180</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>180</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHORT TERM TREAS</titleOfClass>
         <cusip>92206C102</cusip>
         <value>11708</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>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>1034766</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13574</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13574</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>1692727</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23484</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>19539</Sole>
             <Shared>0</Shared>
             <None>3945</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000GRW</titleOfClass>
         <cusip>92206C680</cusip>
         <value>99869</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1588</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1588</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000VAL</titleOfClass>
         <cusip>92206C714</cusip>
         <value>139294</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2085</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2085</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000IDX</titleOfClass>
         <cusip>92206C730</cusip>
         <value>38197</value>
         <shrsOrPrnAmt>
             <sshPrnamt>205</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>205</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
         <cusip>92206C771</cusip>
         <value>1857516</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39904</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>19590</Sole>
             <Shared>0</Shared>
             <None>20314</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
         <value>342502</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4269</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4269</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>922475108</cusip>
         <value>541263</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2945</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2795</Sole>
             <Shared>0</Shared>
             <None>150</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VENTAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92276F100</cusip>
         <value>236734</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5461</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5461</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
         <titleOfClass>TAX EXEMPT BD</titleOfClass>
         <cusip>922907746</cusip>
         <value>112415</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2219</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2219</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>22573718</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60025</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>56845</Sole>
             <Shared>0</Shared>
             <None>3180</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>751530</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5607</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4685</Sole>
             <Shared>0</Shared>
             <None>922</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>773908</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3971</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2996</Sole>
             <Shared>0</Shared>
             <None>975</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>5813</value>
         <shrsOrPrnAmt>
             <sshPrnamt>70</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>70</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>30731</value>
         <shrsOrPrnAmt>
             <sshPrnamt>142</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>142</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>149393</value>
         <shrsOrPrnAmt>
             <sshPrnamt>941</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>941</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>341476</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1619</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1619</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>EXTEND MKT ETF</titleOfClass>
         <cusip>922908652</cusip>
         <value>70147</value>
         <shrsOrPrnAmt>
             <sshPrnamt>500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>2384311</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9555</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9501</Sole>
             <Shared>0</Shared>
             <None>54</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>6690491</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48438</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>47990</Sole>
             <Shared>0</Shared>
             <None>448</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>327180</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1726</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1642</Sole>
             <Shared>0</Shared>
             <None>84</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>463612</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2272</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2272</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343E102</cusip>
         <value>2747</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>3604325</value>
         <shrsOrPrnAmt>
             <sshPrnamt>92679</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>91603</Sole>
             <Shared>0</Shared>
             <None>1076</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>108804</value>
         <shrsOrPrnAmt>
             <sshPrnamt>567</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>567</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERITONE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92347M100</cusip>
         <value>1032</value>
         <shrsOrPrnAmt>
             <sshPrnamt>177</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>177</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92532F100</cusip>
         <value>621311</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1972</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1972</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIAVI SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925550105</cusip>
         <value>466</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>43</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PARAMOUNT GLOBAL</nameOfIssuer>
         <titleOfClass>CLASS B COM</titleOfClass>
         <cusip>92556H206</cusip>
         <value>230329</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10324</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10324</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIATRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>53932</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5607</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5607</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925652109</cusip>
         <value>469600</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14396</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14071</Sole>
             <Shared>0</Shared>
             <None>325</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
         <titleOfClass>VCSHS US EQ INCM</titleOfClass>
         <cusip>92647N824</cusip>
         <value>1963763</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32396</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>32238</Sole>
             <Shared>0</Shared>
             <None>158</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
         <titleOfClass>VCSHS US LRG CAP</titleOfClass>
         <cusip>92647N865</cusip>
         <value>23005</value>
         <shrsOrPrnAmt>
             <sshPrnamt>400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>400</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
         <titleOfClass>VCSHS US SMCP HG</titleOfClass>
         <cusip>92647N873</cusip>
         <value>171011</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3295</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3295</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIEWRAY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92672L107</cusip>
         <value>3460</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>VIMEO INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>92719V100</cusip>
         <value>4</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIRGIN GALACTIC HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92766K106</cusip>
         <value>1215</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>300</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIRNETX HLDG CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92823T108</cusip>
         <value>16375</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>6470551</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28698</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>28017</Sole>
             <Shared>0</Shared>
             <None>681</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISTEON CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>92839U206</cusip>
         <value>2510</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>VISTRA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92840M102</cusip>
         <value>69960</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2915</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2915</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
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     <infoTable>
         <nameOfIssuer>ZURN ELKAY WATER SOLNS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98983L108</cusip>
         <value>2093</value>
         <shrsOrPrnAmt>
             <sshPrnamt>98</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>98</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ALLEGION PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G0176J109</cusip>
         <value>159030</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1490</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1490</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AMCOR PLC</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G0250X107</cusip>
         <value>213194</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18734</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18734</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G02602103</cusip>
         <value>475911</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4956</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4956</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AMBARELLA INC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G037AX101</cusip>
         <value>1161</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AON PLC</nameOfIssuer>
         <titleOfClass>SHS CL A</titleOfClass>
         <cusip>G0403H108</cusip>
         <value>366375</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1162</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1162</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G0450A105</cusip>
         <value>1052595</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15509</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15203</Sole>
             <Shared>0</Shared>
             <None>306</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ARCOS DORADOS HOLDINGS INC</nameOfIssuer>
         <titleOfClass>SHS CLASS -A -</titleOfClass>
         <cusip>G0457F107</cusip>
         <value>270</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>35</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AXALTA COATING SYS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G0750C108</cusip>
         <value>23960</value>
         <shrsOrPrnAmt>
             <sshPrnamt>791</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>791</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>BIOCERES CROP SOLUTIONS CORP</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G1117K114</cusip>
         <value>1811</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>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>2644267</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9241</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9104</Sole>
             <Shared>0</Shared>
             <None>137</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>BROOKFIELD INFRAST PARTNERS</nameOfIssuer>
         <titleOfClass>LP INT UNIT</titleOfClass>
         <cusip>G16252101</cusip>
         <value>27286</value>
         <shrsOrPrnAmt>
             <sshPrnamt>808</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>808</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>BUNGE LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G16962105</cusip>
         <value>526793</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5515</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5515</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CIMPRESS PLC</nameOfIssuer>
         <titleOfClass>SHS EURO</titleOfClass>
         <cusip>G2143T103</cusip>
         <value>219</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CLARIVATE PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G21810109</cusip>
         <value>359846</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38322</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>36452</Sole>
             <Shared>0</Shared>
             <None>1870</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G25839104</cusip>
         <value>13732</value>
         <shrsOrPrnAmt>
             <sshPrnamt>232</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>232</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>4383668</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25570</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>25466</Sole>
             <Shared>0</Shared>
             <None>104</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EVEREST RE GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G3223R108</cusip>
         <value>16469</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>46</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FABRINET</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3323L100</cusip>
         <value>13182</value>
         <shrsOrPrnAmt>
             <sshPrnamt>111</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FERGUSON PLC NEW</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3421J106</cusip>
         <value>4414</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3</Sole>
             <Shared>0</Shared>
             <None>30</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FTAI AVIATION LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3730V105</cusip>
         <value>136445</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4880</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4880</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GENPACT LIMITED</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3922B107</cusip>
         <value>4715</value>
         <shrsOrPrnAmt>
             <sshPrnamt>102</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>102</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HELEN OF TROY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G4388N106</cusip>
         <value>2666</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>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G46188101</cusip>
         <value>75415</value>
         <shrsOrPrnAmt>
             <sshPrnamt>691</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>691</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ICON PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G4705A100</cusip>
         <value>293259</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1373</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1373</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ICHOR HOLDINGS</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G4740B105</cusip>
         <value>50355</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1538</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1538</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JAMES RIV GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G5005R107</cusip>
         <value>46545</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2254</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2254</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G50871105</cusip>
         <value>64972</value>
         <shrsOrPrnAmt>
             <sshPrnamt>444</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>444</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>120384</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1999</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1864</Sole>
             <Shared>0</Shared>
             <None>135</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>2881065</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8097</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8064</Sole>
             <Shared>0</Shared>
             <None>33</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>3412124</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42327</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>41721</Sole>
             <Shared>0</Shared>
             <None>606</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>153138</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1365</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1359</Sole>
             <Shared>0</Shared>
             <None>6</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ALPHA &amp; OMEGA SEMICONDUCTOR</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6331P104</cusip>
         <value>1617</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>NOBLE CORP PLC</nameOfIssuer>
         <titleOfClass>ORD SHS A</titleOfClass>
         <cusip>G65431127</cusip>
         <value>14485</value>
         <shrsOrPrnAmt>
             <sshPrnamt>367</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>367</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOMAD FOODS LTD</nameOfIssuer>
         <titleOfClass>USD ORD SHS</titleOfClass>
         <cusip>G6564A105</cusip>
         <value>8058</value>
         <shrsOrPrnAmt>
             <sshPrnamt>430</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>430</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
         <value>5716</value>
         <shrsOrPrnAmt>
             <sshPrnamt>425</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>425</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>5454</value>
         <shrsOrPrnAmt>
             <sshPrnamt>127</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>127</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RENAISSANCERE HLDGS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G7496G103</cusip>
         <value>8219</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>41</Sole>
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         <titleOfClass>SHS CLASS A</titleOfClass>
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         <value>94292</value>
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             <sshPrnamt>2617</sshPrnamt>
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             <None>1854</None>
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         <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G7997R103</cusip>
         <value>101706</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1538</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>5030</value>
         <shrsOrPrnAmt>
             <sshPrnamt>91</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8060N102</cusip>
         <value>85934</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1718</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>1718</Sole>
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             <None>0</None>
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         <nameOfIssuer>SMART GLOBAL HLDGS INC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8232Y101</cusip>
         <value>3551</value>
         <shrsOrPrnAmt>
             <sshPrnamt>206</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>206</Sole>
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             <None>0</None>
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         <nameOfIssuer>STERIS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G8473T100</cusip>
         <value>651528</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3406</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>3040</Sole>
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             <None>366</None>
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         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>435157</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2365</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>2356</Sole>
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         <nameOfIssuer>TRITON INTL LTD</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>G9078F107</cusip>
         <value>69650</value>
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             <sshPrnamt>1102</sshPrnamt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GOLAR LNG LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G9456A100</cusip>
         <value>75989</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3518</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>3518</Sole>
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             <None>0</None>
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         <nameOfIssuer>WHITE MTNS INS GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G9618E107</cusip>
         <value>89535</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>65</Sole>
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             <None>0</None>
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         <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>15839</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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         <nameOfIssuer>PERRIGO CO PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G97822103</cusip>
         <value>16966</value>
         <shrsOrPrnAmt>
             <sshPrnamt>473</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>0</None>
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         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>349457</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4954</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>4813</Sole>
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             <None>141</None>
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         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>1017424</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5240</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>5215</Sole>
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             <None>25</None>
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         <nameOfIssuer>CRISPR THERAPEUTICS AG</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>H17182108</cusip>
         <value>13252</value>
         <shrsOrPrnAmt>
             <sshPrnamt>293</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>293</Sole>
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             <None>0</None>
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         <nameOfIssuer>GARMIN LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H2906T109</cusip>
         <value>84673</value>
         <shrsOrPrnAmt>
             <sshPrnamt>839</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H42097107</cusip>
         <value>534</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H84989104</cusip>
         <value>853483</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6507</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>GLOBANT S A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>L44385109</cusip>
         <value>96929</value>
         <shrsOrPrnAmt>
             <sshPrnamt>591</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>44898</value>
         <shrsOrPrnAmt>
             <sshPrnamt>336</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>AUDIOCODES LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M15342104</cusip>
         <value>2232</value>
         <shrsOrPrnAmt>
             <sshPrnamt>148</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
         <value>10063</value>
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         <nameOfIssuer>PERION NETWORK LTD</nameOfIssuer>
         <titleOfClass>SHS NEW</titleOfClass>
         <cusip>M78673114</cusip>
         <value>47932</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>AERCAP HOLDINGS NV</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N00985106</cusip>
         <value>23504</value>
         <shrsOrPrnAmt>
             <sshPrnamt>418</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>2781311</value>
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         <nameOfIssuer>CNH INDL N V</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N20944109</cusip>
         <value>31365</value>
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             <sshPrnamt>2054</sshPrnamt>
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         <nameOfIssuer>FERRARI N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N3167Y103</cusip>
         <value>53919</value>
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             <sshPrnamt>199</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
         <titleOfClass>SHS - A -</titleOfClass>
         <cusip>N53745100</cusip>
         <value>366645</value>
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             <sshPrnamt>3905</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>36737</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>197</Sole>
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             <None>0</None>
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         <nameOfIssuer>ONESPAWORLD HOLDINGS LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>P73684113</cusip>
         <value>66906</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>STEVANATO GROUP S P A</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>T9224W109</cusip>
         <value>6423</value>
         <shrsOrPrnAmt>
             <sshPrnamt>248</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>248</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>V7780T103</cusip>
         <value>105919</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>FLEX LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>Y2573F102</cusip>
         <value>46111</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2004</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>STAR BULK CARRIERS CORP.</nameOfIssuer>
         <titleOfClass>SHS PAR</titleOfClass>
         <cusip>Y8162K204</cusip>
         <value>99730</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4722</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>ABB LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>000375204</cusip>
         <value>2211758</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>17184</Sole>
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             <None>47299</None>
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     <infoTable>
         <nameOfIssuer>AFLAC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>001055102</cusip>
         <value>10033957</value>
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             <sshPrnamt>155517</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>90177</Sole>
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             <None>65340</None>
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     <infoTable>
         <nameOfIssuer>AGNC INVT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00123Q104</cusip>
         <value>277200</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27500</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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         <nameOfIssuer>AES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00130H105</cusip>
         <value>12570</value>
         <shrsOrPrnAmt>
             <sshPrnamt>522</sshPrnamt>
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         <nameOfIssuer>CAESARS ENTERTAINMENT INC NE</nameOfIssuer>
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         <nameOfIssuer>CALAMOS STRATEGIC TOTAL RETU</nameOfIssuer>
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         <nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>
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         <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
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         <nameOfIssuer>CARMAX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
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         <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
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         <nameOfIssuer>CEDAR FAIR L P</nameOfIssuer>
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         <nameOfIssuer>CELANESE CORP DEL</nameOfIssuer>
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         <nameOfIssuer>CENTENE CORP DEL</nameOfIssuer>
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         <nameOfIssuer>CENTRAL GARDEN &amp; PET CO</nameOfIssuer>
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         <value>7476</value>
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         <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>169656105</cusip>
         <value>37174953</value>
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         <cusip>171340102</cusip>
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         <cusip>171484108</cusip>
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         <nameOfIssuer>CINCINNATI FINL CORP</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>US EQUITY ETF</titleOfClass>
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         <titleOfClass>US CORE EQUITY 2</titleOfClass>
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         <titleOfClass>US MKTWIDE VALUE</titleOfClass>
         <cusip>25434V724</cusip>
         <value>1352267</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40390</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22228</Sole>
             <Shared>0</Shared>
             <None>18162</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTERNATNAL VAL</titleOfClass>
         <cusip>25434V807</cusip>
         <value>164731</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5111</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5111</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US SMALL CAP VAL</titleOfClass>
         <cusip>25434V815</cusip>
         <value>1204925</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48332</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>201</Sole>
             <Shared>0</Shared>
             <None>48131</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US HIGH PROFITAB</titleOfClass>
         <cusip>25434V831</cusip>
         <value>4378005</value>
         <shrsOrPrnAmt>
             <sshPrnamt>174145</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>48289</Sole>
             <Shared>0</Shared>
             <None>125856</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>NATL MUN BD ETF</titleOfClass>
         <cusip>25434V849</cusip>
         <value>4029471</value>
         <shrsOrPrnAmt>
             <sshPrnamt>83400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>83400</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>CORE FIXED INCOM</titleOfClass>
         <cusip>25434V872</cusip>
         <value>5376250</value>
         <shrsOrPrnAmt>
             <sshPrnamt>126500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>126500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>WORLD EX US CORE</titleOfClass>
         <cusip>25434V880</cusip>
         <value>1034794</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44874</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>44874</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIODES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254543101</cusip>
         <value>15862</value>
         <shrsOrPrnAmt>
             <sshPrnamt>171</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>171</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254687106</cusip>
         <value>54439783</value>
         <shrsOrPrnAmt>
             <sshPrnamt>543691</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>345263</Sole>
             <Shared>0</Shared>
             <None>198428</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254709108</cusip>
         <value>10269773</value>
         <shrsOrPrnAmt>
             <sshPrnamt>103903</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>68301</Sole>
             <Shared>0</Shared>
             <None>35602</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DOCGO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256086109</cusip>
         <value>5363</value>
         <shrsOrPrnAmt>
             <sshPrnamt>620</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>620</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DOCUSIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256163106</cusip>
         <value>10319</value>
         <shrsOrPrnAmt>
             <sshPrnamt>177</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>102</Sole>
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             <None>75</None>
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     <infoTable>
         <nameOfIssuer>DOLBY LABORATORIES INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>25659T107</cusip>
         <value>50996</value>
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             <sshPrnamt>597</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>597</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256677105</cusip>
         <value>1128697</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5363</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5260</Sole>
             <Shared>0</Shared>
             <None>103</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DOLLAR TREE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256746108</cusip>
         <value>194879</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1358</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1358</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25746U109</cusip>
         <value>1000804</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15280</Sole>
             <Shared>0</Shared>
             <None>2620</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DOMINOS PIZZA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25754A201</cusip>
         <value>26416</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5</Sole>
             <Shared>0</Shared>
             <None>75</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DONALDSON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>257651109</cusip>
         <value>261360</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>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DOVER CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>260003108</cusip>
         <value>2407945</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15848</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10030</Sole>
             <Shared>0</Shared>
             <None>5818</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>260557103</cusip>
         <value>12277373</value>
         <shrsOrPrnAmt>
             <sshPrnamt>223958</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>103312</Sole>
             <Shared>0</Shared>
             <None>120646</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DRAFTKINGS INC NEW</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>26142V105</cusip>
         <value>22748</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1175</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1175</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>26441C204</cusip>
         <value>8957584</value>
         <shrsOrPrnAmt>
             <sshPrnamt>92854</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>37113</Sole>
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             <None>55741</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>26614N102</cusip>
         <value>4165392</value>
         <shrsOrPrnAmt>
             <sshPrnamt>58038</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>34267</Sole>
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             <None>23771</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DOXIMITY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>26622P107</cusip>
         <value>879667</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27167</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>19120</Sole>
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             <None>8047</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DUTCH BROS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>26701L100</cusip>
         <value>10122</value>
         <shrsOrPrnAmt>
             <sshPrnamt>320</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>320</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ENI S P A</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>26874R108</cusip>
         <value>46172</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1649</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1649</None>
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     <infoTable>
         <nameOfIssuer>EOG RES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>26875P101</cusip>
         <value>11898461</value>
         <shrsOrPrnAmt>
             <sshPrnamt>103799</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>96783</Sole>
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             <None>7016</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EQT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>26884L109</cusip>
         <value>60629</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1900</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>EAGLE MATLS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>26969P108</cusip>
         <value>4109</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>28</None>
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     <infoTable>
         <nameOfIssuer>EASTMAN CHEM CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>277432100</cusip>
         <value>1164061</value>
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             <sshPrnamt>13802</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>12532</Sole>
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             <None>1270</None>
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     <infoTable>
         <nameOfIssuer>EATON VANCE MUNI INCOME TRUS</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>27826U108</cusip>
         <value>113375</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11192</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11192</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EATON VANCE MUN BD FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27827X101</cusip>
         <value>17680</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>1700</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EATON VANCE TAX ADVT DIV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27828G107</cusip>
         <value>23</value>
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             <sshPrnamt>1</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>1</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EATON VANCE LTD DURATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27828H105</cusip>
         <value>7880</value>
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             <sshPrnamt>800</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>800</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EATON VANCE TAX-MANAGED GLOB</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27829C105</cusip>
         <value>3232</value>
         <shrsOrPrnAmt>
             <sshPrnamt>400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EBAY INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>278642103</cusip>
         <value>11093</value>
         <shrsOrPrnAmt>
             <sshPrnamt>250</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>250</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ECOLAB INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>278865100</cusip>
         <value>4305200</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26009</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15551</Sole>
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             <None>10458</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EDISON INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>281020107</cusip>
         <value>2509072</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35544</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <sshPrnamt>1445</sshPrnamt>
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             <None>6340</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>345370860</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>FORTUNE BRANDS INNOVATIONS I</nameOfIssuer>
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         <nameOfIssuer>INDIA FD INC</nameOfIssuer>
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         <nameOfIssuer>ING GROEP N.V.</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
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         <value>430338</value>
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         <nameOfIssuer>INGERSOLL RAND INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>INGEVITY CORP</nameOfIssuer>
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         <nameOfIssuer>INNOVATIVE INDL PPTYS INC</nameOfIssuer>
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         <nameOfIssuer>INSULET CORP</nameOfIssuer>
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         <nameOfIssuer>INTEGER HLDGS CORP</nameOfIssuer>
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         <nameOfIssuer>INTELLIA THERAPEUTICS INC</nameOfIssuer>
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         <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45866F104</cusip>
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         <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
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         <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
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         <nameOfIssuer>INTERPUBLIC GROUP COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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         <nameOfIssuer>INTRA-CELLULAR THERAPIES INC</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>INTUIT</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>INVESCO MUNICIPAL TRUST</nameOfIssuer>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <cusip>67061T101</cusip>
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     <infoTable>
         <nameOfIssuer>NUVEEN NEW YORK AMT QLT MUNI</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670656107</cusip>
         <value>211</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20</sshPrnamt>
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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>NVIDIA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
         <value>271411998</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>129889</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN MUN HIGH INCOME OPPOR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670682103</cusip>
         <value>1922</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>178</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN NASDAQ 100 DYNAMIC OV</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>670699107</cusip>
         <value>22</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>
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     <infoTable>
         <nameOfIssuer>NUVASIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670704105</cusip>
         <value>246290</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5962</sshPrnamt>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>5962</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67071L106</cusip>
         <value>83261</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7068</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>4</otherManager>
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             <Sole>7068</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN DOW 30 DYNMC OVERWRT</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>67075F105</cusip>
         <value>200720</value>
         <shrsOrPrnAmt>
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         <otherManager>4</otherManager>
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             <Sole>13673</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67077M108</cusip>
         <value>19544945</value>
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             <sshPrnamt>264657</sshPrnamt>
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         <votingAuthority>
             <Sole>226077</Sole>
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             <None>38580</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670928100</cusip>
         <value>44050</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG LRGVL</titleOfClass>
         <cusip>67092P300</cusip>
         <value>371022</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10890</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>265</Sole>
             <Shared>0</Shared>
             <None>10625</None>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
         <cusip>67092P607</cusip>
         <value>4072646</value>
         <shrsOrPrnAmt>
             <sshPrnamt>115014</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>115014</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN PENNSYLVANIA QLT MUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670972108</cusip>
         <value>54487</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4767</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4767</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103H107</cusip>
         <value>1049339</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1236</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>849</Sole>
             <Shared>0</Shared>
             <None>387</None>
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     <infoTable>
         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>674599105</cusip>
         <value>3482533</value>
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             <sshPrnamt>55783</sshPrnamt>
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         <otherManager>4</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>1408</None>
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     <infoTable>
         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>*W EXP 08/03/202</titleOfClass>
         <cusip>674599162</cusip>
         <value>31488</value>
         <shrsOrPrnAmt>
             <sshPrnamt>768</sshPrnamt>
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             <Sole>566</Sole>
             <Shared>0</Shared>
             <None>202</None>
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     <infoTable>
         <nameOfIssuer>OKTA INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>679295105</cusip>
         <value>5606</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>65</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>679580100</cusip>
         <value>29054200</value>
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         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>42211</None>
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     <infoTable>
         <nameOfIssuer>OLD REP INTL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>680223104</cusip>
         <value>1040425</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41667</sshPrnamt>
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             <Sole>41667</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>681116109</cusip>
         <value>118603</value>
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             <None>2047</None>
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         <nameOfIssuer>OLO INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>68134L109</cusip>
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         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>681919106</cusip>
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             <None>4800</None>
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         <nameOfIssuer>ON SEMICONDUCTOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682189105</cusip>
         <value>54414</value>
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             <None>113</None>
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         <nameOfIssuer>ONE GAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68235P108</cusip>
         <value>115450</value>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682680103</cusip>
         <value>926465</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OPKO HEALTH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68375N103</cusip>
         <value>2174</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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         <nameOfIssuer>ORACLE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68389X105</cusip>
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             <None>49029</None>
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         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>68622V106</cusip>
         <value>138289</value>
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             <None>1689</None>
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         <nameOfIssuer>OSHKOSH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>688239201</cusip>
         <value>190482</value>
         <shrsOrPrnAmt>
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             <None>816</None>
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         <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68902V107</cusip>
         <value>3629453</value>
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             <None>21571</None>
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         <nameOfIssuer>OTTER TAIL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>689648103</cusip>
         <value>34690</value>
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             <None>480</None>
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         <nameOfIssuer>OUTSET MED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>690145107</cusip>
         <value>1840</value>
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             <None>100</None>
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         <nameOfIssuer>OWENS CORNING NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>690742101</cusip>
         <value>3928</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>19</None>
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         <nameOfIssuer>PCTEL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69325Q105</cusip>
         <value>109299</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>25839</None>
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         <nameOfIssuer>PG&amp;E CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69331C108</cusip>
         <value>1730</value>
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             <None>107</None>
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     <infoTable>
         <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693475105</cusip>
         <value>11359216</value>
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             <None>20201</None>
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         <nameOfIssuer>PPG INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693506107</cusip>
         <value>314180</value>
         <shrsOrPrnAmt>
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             <None>1530</None>
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         <nameOfIssuer>PPL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69351T106</cusip>
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         <otherManager>4</otherManager>
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             <None>40325</None>
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         <nameOfIssuer>PACCAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693718108</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
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         <cusip>756158101</cusip>
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         <cusip>758750103</cusip>
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         <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <votingAuthority>
             <Sole>7742</Sole>
             <Shared>0</Shared>
             <None>1127</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>374587</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10764</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>583</Sole>
             <Shared>0</Shared>
             <None>10181</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US REIT ETF</titleOfClass>
         <cusip>808524847</cusip>
         <value>51441</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2638</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>638</Sole>
             <Shared>0</Shared>
             <None>2000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>21565</value>
         <shrsOrPrnAmt>
             <sshPrnamt>442</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>215</Sole>
             <Shared>0</Shared>
             <None>227</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL SCEQT ETF</titleOfClass>
         <cusip>808524888</cusip>
         <value>2936478</value>
         <shrsOrPrnAmt>
             <sshPrnamt>87110</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>87010</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LIGHT &amp; WONDER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>80874P109</cusip>
         <value>571496</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9517</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>9517</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCOTTS MIRACLE-GRO CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>810186106</cusip>
         <value>628</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCRIPPS E W CO OHIO</nameOfIssuer>
         <titleOfClass>CL A NEW</titleOfClass>
         <cusip>811054402</cusip>
         <value>29792</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3166</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2500</Sole>
             <Shared>0</Shared>
             <None>666</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>1182186</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13659</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9183</Sole>
             <Shared>0</Shared>
             <None>4476</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81181C104</cusip>
         <value>82000</value>
         <shrsOrPrnAmt>
             <sshPrnamt>405</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>230</Sole>
             <Shared>0</Shared>
             <None>175</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81211K100</cusip>
         <value>551</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>12</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>37511</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>1573882</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12157</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>12060</Sole>
             <Shared>0</Shared>
             <None>97</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>35487</value>
         <shrsOrPrnAmt>
             <sshPrnamt>475</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>175</Sole>
             <Shared>0</Shared>
             <None>300</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>580473</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3882</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3831</Sole>
             <Shared>0</Shared>
             <None>51</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>1372615</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16571</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11467</Sole>
             <Shared>0</Shared>
             <None>5104</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>682748</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21236</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7608</Sole>
             <Shared>0</Shared>
             <None>13628</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>455715</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4504</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4504</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>756304</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5008</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4908</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>142203</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2453</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2453</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>RL EST SEL SEC</titleOfClass>
         <cusip>81369Y860</cusip>
         <value>142866</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3822</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3529</Sole>
             <Shared>0</Shared>
             <None>293</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>306933</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4534</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4216</Sole>
             <Shared>0</Shared>
             <None>318</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>590129</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3904</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3704</Sole>
             <Shared>0</Shared>
             <None>200</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>817565104</cusip>
         <value>33152</value>
         <shrsOrPrnAmt>
             <sshPrnamt>482</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>482</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE PPTYS TR</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>81761L102</cusip>
         <value>1992</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>57665246</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124086</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>115522</Sole>
             <Shared>0</Shared>
             <None>8564</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVISFIRST BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81768T108</cusip>
         <value>4028192</value>
         <shrsOrPrnAmt>
             <sshPrnamt>73736</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>73646</Sole>
             <Shared>0</Shared>
             <None>90</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>31359011</value>
         <shrsOrPrnAmt>
             <sshPrnamt>139516</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>73862</Sole>
             <Shared>0</Shared>
             <None>65654</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
         <value>1695110</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35359</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>19995</Sole>
             <Shared>0</Shared>
             <None>15364</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>11068659</value>
         <shrsOrPrnAmt>
             <sshPrnamt>98854</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>49318</Sole>
             <Shared>0</Shared>
             <None>49536</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPSON MFG INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>829073105</cusip>
         <value>486363</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4436</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>4236</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982L103</cusip>
         <value>157811</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1153</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1153</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITIME CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982T106</cusip>
         <value>4752</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>36</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIXTH STREET SPECIALTY LENDI</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83012A109</cusip>
         <value>121091</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6617</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>6617</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SKYLINE CHAMPION CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>830830105</cusip>
         <value>313634</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4169</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>4169</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83088M102</cusip>
         <value>30675</value>
         <shrsOrPrnAmt>
             <sshPrnamt>260</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>260</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMITH &amp; NEPHEW PLC</nameOfIssuer>
         <titleOfClass>SPDN ADR NEW</titleOfClass>
         <cusip>83175M205</cusip>
         <value>524800</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18803</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>17570</Sole>
             <Shared>0</Shared>
             <None>1233</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMITH A O CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>831865209</cusip>
         <value>97502</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1410</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1400</Sole>
             <Shared>0</Shared>
             <None>10</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMARTFINANCIAL INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>83190L208</cusip>
         <value>1411540</value>
         <shrsOrPrnAmt>
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         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>INTRMDT MUNI ETF</titleOfClass>
         <cusip>92189H201</cusip>
         <value>2509</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>54</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>JP MRGAN EM LOC</titleOfClass>
         <cusip>92189H300</cusip>
         <value>14443</value>
         <shrsOrPrnAmt>
             <sshPrnamt>572</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>462</Sole>
             <Shared>0</Shared>
             <None>110</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>HIGH YLD MUNIETF</titleOfClass>
         <cusip>92189H409</cusip>
         <value>309043</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5973</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3123</Sole>
             <Shared>0</Shared>
             <None>2850</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
         <titleOfClass>DIV APP ETF</titleOfClass>
         <cusip>921908844</cusip>
         <value>1212156</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7871</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6612</Sole>
             <Shared>0</Shared>
             <None>1259</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
         <titleOfClass>VG TL INTL STK F</titleOfClass>
         <cusip>921909768</cusip>
         <value>1116497</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20223</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>223</Sole>
             <Shared>0</Shared>
             <None>20000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA GRWTH IND</titleOfClass>
         <cusip>921910816</cusip>
         <value>37520</value>
         <shrsOrPrnAmt>
             <sshPrnamt>183</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>183</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA CAP VAL ETF</titleOfClass>
         <cusip>921910840</cusip>
         <value>90918</value>
         <shrsOrPrnAmt>
             <sshPrnamt>900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>900</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA CAP INDEX</titleOfClass>
         <cusip>921910873</cusip>
         <value>6568</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>46</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>SMLLCP 600 IDX</titleOfClass>
         <cusip>921932828</cusip>
         <value>348803</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3928</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3902</Sole>
             <Shared>0</Shared>
             <None>26</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>MIDCP 400 IDX</titleOfClass>
         <cusip>921932885</cusip>
         <value>8468</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>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>INTERMED TERM</titleOfClass>
         <cusip>921937819</cusip>
         <value>6006124</value>
         <shrsOrPrnAmt>
             <sshPrnamt>78266</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>59643</Sole>
             <Shared>0</Shared>
             <None>18623</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>SHORT TRM BOND</titleOfClass>
         <cusip>921937827</cusip>
         <value>9054871</value>
         <shrsOrPrnAmt>
             <sshPrnamt>118380</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>110509</Sole>
             <Shared>0</Shared>
             <None>7871</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>23896882</value>
         <shrsOrPrnAmt>
             <sshPrnamt>323674</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>262845</Sole>
             <Shared>0</Shared>
             <None>60829</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
         <value>43926727</value>
         <shrsOrPrnAmt>
             <sshPrnamt>972476</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>709180</Sole>
             <Shared>0</Shared>
             <None>263296</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>3080293</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29197</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5629</Sole>
             <Shared>0</Shared>
             <None>23568</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
         <titleOfClass>STRM INFPROIDX</titleOfClass>
         <cusip>922020805</cusip>
         <value>35865</value>
         <shrsOrPrnAmt>
             <sshPrnamt>750</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>750</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
         <titleOfClass>TOTAL INT BD ETF</titleOfClass>
         <cusip>92203J407</cusip>
         <value>7624</value>
         <shrsOrPrnAmt>
             <sshPrnamt>156</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>35</Sole>
             <Shared>0</Shared>
             <None>121</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>GLB EX US ETF</titleOfClass>
         <cusip>922042676</cusip>
         <value>17958</value>
         <shrsOrPrnAmt>
             <sshPrnamt>443</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>431</Sole>
             <Shared>0</Shared>
             <None>12</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE SMCAP ETF</titleOfClass>
         <cusip>922042718</cusip>
         <value>36887001</value>
         <shrsOrPrnAmt>
             <sshPrnamt>337669</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1869</Sole>
             <Shared>0</Shared>
             <None>335800</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>TT WRLD ST ETF</titleOfClass>
         <cusip>922042742</cusip>
         <value>91906</value>
         <shrsOrPrnAmt>
             <sshPrnamt>998</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>998</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>ALLWRLD EX US</titleOfClass>
         <cusip>922042775</cusip>
         <value>13398871</value>
         <shrsOrPrnAmt>
             <sshPrnamt>250587</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>161452</Sole>
             <Shared>0</Shared>
             <None>89135</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>17429048</value>
         <shrsOrPrnAmt>
             <sshPrnamt>431412</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>137320</Sole>
             <Shared>0</Shared>
             <None>294092</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE PACIFIC ETF</titleOfClass>
         <cusip>922042866</cusip>
         <value>1653316</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24378</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>21723</Sole>
             <Shared>0</Shared>
             <None>2655</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EUROPE ETF</titleOfClass>
         <cusip>922042874</cusip>
         <value>2032378</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33345</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22145</Sole>
             <Shared>0</Shared>
             <None>11200</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>CONSUM DIS ETF</titleOfClass>
         <cusip>92204A108</cusip>
         <value>16762877</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66374</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3287</Sole>
             <Shared>0</Shared>
             <None>63087</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>CONSUM STP ETF</titleOfClass>
         <cusip>92204A207</cusip>
         <value>10093436</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52157</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>932</Sole>
             <Shared>0</Shared>
             <None>51225</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
         <value>15629533</value>
         <shrsOrPrnAmt>
             <sshPrnamt>136825</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>43739</Sole>
             <Shared>0</Shared>
             <None>93086</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>23117246</value>
         <shrsOrPrnAmt>
             <sshPrnamt>296794</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8152</Sole>
             <Shared>0</Shared>
             <None>288642</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
         <value>27908361</value>
         <shrsOrPrnAmt>
             <sshPrnamt>117036</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1293</Sole>
             <Shared>0</Shared>
             <None>115743</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>INDUSTRIAL ETF</titleOfClass>
         <cusip>92204A603</cusip>
         <value>15959326</value>
         <shrsOrPrnAmt>
             <sshPrnamt>83772</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>982</Sole>
             <Shared>0</Shared>
             <None>82790</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>INF TECH ETF</titleOfClass>
         <cusip>92204A702</cusip>
         <value>59394027</value>
         <shrsOrPrnAmt>
             <sshPrnamt>154082</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7681</Sole>
             <Shared>0</Shared>
             <None>146401</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>MATERIALS ETF</titleOfClass>
         <cusip>92204A801</cusip>
         <value>7140961</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40158</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1342</Sole>
             <Shared>0</Shared>
             <None>38816</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>UTILITIES ETF</titleOfClass>
         <cusip>92204A876</cusip>
         <value>182187</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1235</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>230</Sole>
             <Shared>0</Shared>
             <None>1005</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>COMM SRVC ETF</titleOfClass>
         <cusip>92204A884</cusip>
         <value>14231883</value>
         <shrsOrPrnAmt>
             <sshPrnamt>147221</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1359</Sole>
             <Shared>0</Shared>
             <None>145862</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHORT TERM TREAS</titleOfClass>
         <cusip>92206C102</cusip>
         <value>514040</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8781</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4224</Sole>
             <Shared>0</Shared>
             <None>4557</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>11150678</value>
         <shrsOrPrnAmt>
             <sshPrnamt>146277</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>109387</Sole>
             <Shared>0</Shared>
             <None>36890</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>TOTAL CORP BND</titleOfClass>
         <cusip>92206C573</cusip>
         <value>40767</value>
         <shrsOrPrnAmt>
             <sshPrnamt>532</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>532</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>141781</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>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000GRW</titleOfClass>
         <cusip>92206C680</cusip>
         <value>53205</value>
         <shrsOrPrnAmt>
             <sshPrnamt>846</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>846</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INTER TERM TREAS</titleOfClass>
         <cusip>92206C706</cusip>
         <value>36636</value>
         <shrsOrPrnAmt>
             <sshPrnamt>611</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>328</Sole>
             <Shared>0</Shared>
             <None>283</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000VAL</titleOfClass>
         <cusip>92206C714</cusip>
         <value>21112</value>
         <shrsOrPrnAmt>
             <sshPrnamt>316</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>316</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000IDX</titleOfClass>
         <cusip>92206C730</cusip>
         <value>4378446</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23498</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>23498</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
         <cusip>92206C771</cusip>
         <value>552549</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11870</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10970</Sole>
             <Shared>0</Shared>
             <None>900</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
         <value>2536862</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31624</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4565</Sole>
             <Shared>0</Shared>
             <None>27059</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>922475108</cusip>
         <value>424555</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2310</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>255</Sole>
             <Shared>0</Shared>
             <None>2055</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VENTAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92276F100</cusip>
         <value>13612</value>
         <shrsOrPrnAmt>
             <sshPrnamt>314</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>314</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
         <titleOfClass>TAX EXEMPT BD</titleOfClass>
         <cusip>922907746</cusip>
         <value>3003682</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59291</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>51293</Sole>
             <Shared>0</Shared>
             <None>7998</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>7252480</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19285</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>17189</Sole>
             <Shared>0</Shared>
             <None>2096</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>126294</value>
         <shrsOrPrnAmt>
             <sshPrnamt>942</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>915</Sole>
             <Shared>0</Shared>
             <None>27</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>463254</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2377</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1377</Sole>
             <Shared>0</Shared>
             <None>1000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>12153231</value>
         <shrsOrPrnAmt>
             <sshPrnamt>146354</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>53639</Sole>
             <Shared>0</Shared>
             <None>92715</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>4030853</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18626</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>17017</Sole>
             <Shared>0</Shared>
             <None>1609</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>3253345</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20492</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>19231</Sole>
             <Shared>0</Shared>
             <None>1261</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>54866771</value>
         <shrsOrPrnAmt>
             <sshPrnamt>260131</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3776</Sole>
             <Shared>0</Shared>
             <None>256355</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>LARGE CAP ETF</titleOfClass>
         <cusip>922908637</cusip>
         <value>4122523</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22068</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>21307</Sole>
             <Shared>0</Shared>
             <None>761</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>EXTEND MKT ETF</titleOfClass>
         <cusip>922908652</cusip>
         <value>329224</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2348</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2293</Sole>
             <Shared>0</Shared>
             <None>55</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>19091454</value>
         <shrsOrPrnAmt>
             <sshPrnamt>76537</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>76322</Sole>
             <Shared>0</Shared>
             <None>215</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>4642216</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33612</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>31729</Sole>
             <Shared>0</Shared>
             <None>1883</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>84336766</value>
         <shrsOrPrnAmt>
             <sshPrnamt>444908</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>220157</Sole>
             <Shared>0</Shared>
             <None>224751</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>12894009</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63175</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>53856</Sole>
             <Shared>0</Shared>
             <None>9319</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343E102</cusip>
         <value>3165723</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14980</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>14980</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>29888530</value>
         <shrsOrPrnAmt>
             <sshPrnamt>768540</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>543192</Sole>
             <Shared>0</Shared>
             <None>225348</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>5598311</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29179</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>25658</Sole>
             <Shared>0</Shared>
             <None>3521</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERICEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92346J108</cusip>
         <value>8063</value>
         <shrsOrPrnAmt>
             <sshPrnamt>275</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>275</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92532F100</cusip>
         <value>319481</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1014</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1014</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PARAMOUNT GLOBAL</nameOfIssuer>
         <titleOfClass>CLASS B COM</titleOfClass>
         <cusip>92556H206</cusip>
         <value>22300</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>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIATRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>252800</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26279</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>16410</Sole>
             <Shared>0</Shared>
             <None>9869</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925652109</cusip>
         <value>9297</value>
         <shrsOrPrnAmt>
             <sshPrnamt>285</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>285</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIMEO INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>92719V100</cusip>
         <value>1241</value>
         <shrsOrPrnAmt>
             <sshPrnamt>324</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>324</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>177398550</value>
         <shrsOrPrnAmt>
             <sshPrnamt>786829</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>586362</Sole>
             <Shared>0</Shared>
             <None>200467</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VMWARE INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>928563402</cusip>
         <value>75534</value>
         <shrsOrPrnAmt>
             <sshPrnamt>605</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>605</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VODAFONE GROUP PLC NEW</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>92857W308</cusip>
         <value>276265</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25024</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8436</Sole>
             <Shared>0</Shared>
             <None>16588</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VONTIER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>928881101</cusip>
         <value>276489</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10113</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2275</Sole>
             <Shared>0</Shared>
             <None>7838</None>
         </votingAuthority>
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         <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G25839104</cusip>
         <value>1767236</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29857</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>28106</Sole>
             <Shared>0</Shared>
             <None>1751</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>143052645</value>
         <shrsOrPrnAmt>
             <sshPrnamt>834905</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>613534</Sole>
             <Shared>0</Shared>
             <None>221371</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EVEREST RE GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G3223R108</cusip>
         <value>21481</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>60</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FERGUSON PLC NEW</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3421J106</cusip>
         <value>182836</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1367</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1367</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HELEN OF TROY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G4388N106</cusip>
         <value>194052</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2039</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2039</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G46188101</cusip>
         <value>187175</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1715</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>675</Sole>
             <Shared>0</Shared>
             <None>1040</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ICON PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G4705A100</cusip>
         <value>8330</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>39</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G491BT108</cusip>
         <value>73040</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4454</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4454</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G50871105</cusip>
         <value>273930</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1872</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>544</Sole>
             <Shared>0</Shared>
             <None>1328</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>486076</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8072</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3303</Sole>
             <Shared>0</Shared>
             <None>4769</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LIBERTY GLOBAL PLC</nameOfIssuer>
         <titleOfClass>SHS CL C</titleOfClass>
         <cusip>G5480U120</cusip>
         <value>36256</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1779</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1779</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>84141463</value>
         <shrsOrPrnAmt>
             <sshPrnamt>236725</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>175886</Sole>
             <Shared>0</Shared>
             <None>60839</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>8838205</value>
         <shrsOrPrnAmt>
             <sshPrnamt>109628</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>51494</Sole>
             <Shared>0</Shared>
             <None>58134</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>6306873</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56216</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>50336</Sole>
             <Shared>0</Shared>
             <None>5880</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
         <value>22529</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1675</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>425</Sole>
             <Shared>0</Shared>
             <None>1250</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>1860290</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43323</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>28463</Sole>
             <Shared>0</Shared>
             <None>14860</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PAGSEGURO DIGITAL LTD</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>G68707101</cusip>
         <value>37485</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4374</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>645</Sole>
             <Shared>0</Shared>
             <None>3729</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RENAISSANCERE HLDGS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G7496G103</cusip>
         <value>827404</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4130</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4130</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROYALTY PHARMA PLC</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G7709Q104</cusip>
         <value>39633</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G7997R103</cusip>
         <value>310962</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4703</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3283</Sole>
             <Shared>0</Shared>
             <None>1420</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>1456309</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26349</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15386</Sole>
             <Shared>0</Shared>
             <None>10963</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8060N102</cusip>
         <value>204182</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4082</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>614</Sole>
             <Shared>0</Shared>
             <None>3468</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STERIS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G8473T100</cusip>
         <value>9755</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>51</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>3406390</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18515</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>706</Sole>
             <Shared>0</Shared>
             <None>17809</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VALARIS LIMITED</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>G9460G101</cusip>
         <value>223351</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3433</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2538</Sole>
             <Shared>0</Shared>
             <None>895</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WHITE MTNS INS GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G9618E107</cusip>
         <value>16530</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>12</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>382033</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1644</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>350</Sole>
             <Shared>0</Shared>
             <None>1294</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>220931</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3132</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>428</Sole>
             <Shared>0</Shared>
             <None>2704</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>79061144</value>
         <shrsOrPrnAmt>
             <sshPrnamt>407154</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>280589</Sole>
             <Shared>0</Shared>
             <None>126565</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CRISPR THERAPEUTICS AG</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>H17182108</cusip>
         <value>595498</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13166</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9774</Sole>
             <Shared>0</Shared>
             <None>3392</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H42097107</cusip>
         <value>213357</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9998</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2422</Sole>
             <Shared>0</Shared>
             <None>7576</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LOGITECH INTL S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H50430232</cusip>
         <value>277585</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4781</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>4781</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ON HLDG AG</nameOfIssuer>
         <titleOfClass>NAMEN AKT A</titleOfClass>
         <cusip>H5919C104</cusip>
         <value>3105</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H84989104</cusip>
         <value>367363</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2801</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1593</Sole>
             <Shared>0</Shared>
             <None>1208</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRANSOCEAN LTD</nameOfIssuer>
         <titleOfClass>REG SHS</titleOfClass>
         <cusip>H8817H100</cusip>
         <value>426</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>67</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GLOBANT S A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>L44385109</cusip>
         <value>12629</value>
         <shrsOrPrnAmt>
             <sshPrnamt>77</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>77</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>37547</value>
         <shrsOrPrnAmt>
             <sshPrnamt>281</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>160</Sole>
             <Shared>0</Shared>
             <None>121</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M22465104</cusip>
         <value>22360</value>
         <shrsOrPrnAmt>
             <sshPrnamt>172</sshPrnamt>
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         <nameOfIssuer>YANDEX N V</nameOfIssuer>
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         <cusip>Y2573F102</cusip>
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         <nameOfIssuer>NAVIOS MARITIME PARTNERS L P</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
         <cusip>001055102</cusip>
         <value>203624</value>
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         <nameOfIssuer>AGCO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>001084102</cusip>
         <value>633006</value>
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         <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
         <titleOfClass>ALERIAN MLP</titleOfClass>
         <cusip>00162Q452</cusip>
         <value>278279</value>
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         <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00206R102</cusip>
         <value>922094</value>
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         <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>002824100</cusip>
         <value>4253121</value>
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         <nameOfIssuer>ABBVIE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>ADOBE SYSTEMS INCORPORATED</nameOfIssuer>
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         <nameOfIssuer>ADVANCED DRAIN SYS INC DEL</nameOfIssuer>
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         <cusip>00790R104</cusip>
         <value>943151</value>
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         <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN</nameOfIssuer>
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         <nameOfIssuer>CORNING INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>219350105</cusip>
         <value>666544</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18893</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10670</Sole>
             <Shared>8223</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CORTEVA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>22052L104</cusip>
         <value>376695</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6246</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5976</Sole>
             <Shared>228</Shared>
             <None>42</None>
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     <infoTable>
         <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>22160K105</cusip>
         <value>9298921</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18715</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>16631</Sole>
             <Shared>406</Shared>
             <None>1678</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>COSTAR GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>22160N109</cusip>
         <value>652972</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9484</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>150</Sole>
             <Shared>50</Shared>
             <None>9284</None>
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     <infoTable>
         <nameOfIssuer>CROWDSTRIKE HLDGS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>22788C105</cusip>
         <value>569491</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4149</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4149</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CROWN CASTLE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>22822V101</cusip>
         <value>6538217</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48851</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>47810</Sole>
             <Shared>846</Shared>
             <None>195</None>
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     <infoTable>
         <nameOfIssuer>CUMMINS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>231021106</cusip>
         <value>550857</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2306</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2118</Sole>
             <Shared>102</Shared>
             <None>86</None>
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     <infoTable>
         <nameOfIssuer>CYTOKINETICS INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>23282W605</cusip>
         <value>250376</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7115</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7115</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>235851102</cusip>
         <value>10797392</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42840</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>26917</Sole>
             <Shared>1060</Shared>
             <None>14863</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>244199105</cusip>
         <value>5496670</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13313</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8935</Sole>
             <Shared>4157</Shared>
             <None>221</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25179M103</cusip>
         <value>800245</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15812</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>15812</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DEXCOM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>252131107</cusip>
         <value>246068</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2118</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1921</Sole>
             <Shared>197</Shared>
             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>25243Q205</cusip>
         <value>1406137</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7761</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6042</Sole>
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             <None>550</None>
         </votingAuthority>
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         <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>253868103</cusip>
         <value>556926</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5665</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4578</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>779346</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17541</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>17541</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US TARGETED VLU</titleOfClass>
         <cusip>25434V609</cusip>
         <value>617393</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13874</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9246</Sole>
             <Shared>4628</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US CORE EQUITY 2</titleOfClass>
         <cusip>25434V708</cusip>
         <value>775534</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>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US HIGH PROFITAB</titleOfClass>
         <cusip>25434V831</cusip>
         <value>937947</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37309</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>37309</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>NATL MUN BD ETF</titleOfClass>
         <cusip>25434V849</cusip>
         <value>483150</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>CORE FIXED INCOM</titleOfClass>
         <cusip>25434V872</cusip>
         <value>1585250</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37300</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>37300</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254687106</cusip>
         <value>3918387</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39133</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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             <None>7702</None>
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         <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254709108</cusip>
         <value>400005</value>
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             <sshPrnamt>4047</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>1055</None>
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     <infoTable>
         <nameOfIssuer>DISH NETWORK CORPORATION</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>25470M109</cusip>
         <value>222623</value>
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             <sshPrnamt>23861</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>23861</Sole>
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             <None>0</None>
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         <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256677105</cusip>
         <value>1622435</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7709</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>4363</None>
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         <nameOfIssuer>DOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>260557103</cusip>
         <value>489431</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4924</Sole>
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             <None>42</None>
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         <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>26441C204</cusip>
         <value>953798</value>
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             <sshPrnamt>9887</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>1652</None>
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     <infoTable>
         <nameOfIssuer>DUN &amp; BRADSTREET HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>26484T106</cusip>
         <value>159346</value>
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             <sshPrnamt>13573</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>11744</Sole>
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     <infoTable>
         <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>26614N102</cusip>
         <value>333371</value>
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             <sshPrnamt>4645</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>42</None>
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         <nameOfIssuer>EOG RES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>26875P101</cusip>
         <value>252414</value>
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             <sshPrnamt>2202</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>1991</Sole>
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             <None>87</None>
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         <nameOfIssuer>ECOLAB INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>278865100</cusip>
         <value>1987021</value>
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             <sshPrnamt>12004</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>5262</Sole>
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             <None>6524</None>
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         <nameOfIssuer>EDISON INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>281020107</cusip>
         <value>289912</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4107</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3932</Sole>
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             <None>0</None>
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         <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>28176E108</cusip>
         <value>219233</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2650</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2650</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>EMCOR GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29084Q100</cusip>
         <value>764985</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4705</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>4705</None>
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         <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>291011104</cusip>
         <value>4546877</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52179</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>51445</Sole>
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             <None>351</None>
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     <infoTable>
         <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29250N105</cusip>
         <value>999376</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26196</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18424</Sole>
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             <None>2995</None>
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     <infoTable>
         <nameOfIssuer>ENDAVA PLC</nameOfIssuer>
         <titleOfClass>ADS</titleOfClass>
         <cusip>29260V105</cusip>
         <value>366869</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>5461</Sole>
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             <None>0</None>
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         <nameOfIssuer>ENTEGRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29362U104</cusip>
         <value>272354</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3321</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>3321</Sole>
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             <None>0</None>
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         <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29364G103</cusip>
         <value>361036</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1912</Sole>
             <Shared>1439</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>293792107</cusip>
         <value>1940427</value>
         <shrsOrPrnAmt>
             <sshPrnamt>74920</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>64020</Sole>
             <Shared>10900</Shared>
             <None>0</None>
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         <nameOfIssuer>EQUINIX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29444U700</cusip>
         <value>908509</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1260</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1160</Sole>
             <Shared>81</Shared>
             <None>19</None>
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         <nameOfIssuer>EQUITY RESIDENTIAL</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>29476L107</cusip>
         <value>361380</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6023</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1023</Sole>
             <Shared>5000</Shared>
             <None>0</None>
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         <nameOfIssuer>EVERCORE INC</nameOfIssuer>
         <titleOfClass>CLASS A</titleOfClass>
         <cusip>29977A105</cusip>
         <value>516901</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4480</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>0</Sole>
             <Shared>134</Shared>
             <None>4346</None>
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         <nameOfIssuer>EVERSOURCE ENERGY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30040W108</cusip>
         <value>3431778</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43851</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>43459</Sole>
             <Shared>392</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30225T102</cusip>
         <value>230870</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1417</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1417</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30231G102</cusip>
         <value>13713640</value>
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             <sshPrnamt>125056</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>116194</Sole>
             <Shared>8862</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FB FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30257X104</cusip>
         <value>548468</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17647</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>17647</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>30303M102</cusip>
         <value>5280061</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24913</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>22024</Sole>
             <Shared>2769</Shared>
             <None>120</None>
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     <infoTable>
         <nameOfIssuer>FASTENAL CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>311900104</cusip>
         <value>1642148</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30444</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>13119</Sole>
             <Shared>2363</Shared>
             <None>14962</None>
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     <infoTable>
         <nameOfIssuer>FEDEX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31428X106</cusip>
         <value>875345</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3831</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1473</Sole>
             <Shared>1565</Shared>
             <None>793</None>
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     <infoTable>
         <nameOfIssuer>FIDELITY D &amp; D BANCORP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31609R100</cusip>
         <value>248983</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5453</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5453</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31620M106</cusip>
         <value>270617</value>
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             <sshPrnamt>4981</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4688</Sole>
             <Shared>238</Shared>
             <None>55</None>
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     <infoTable>
         <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>316773100</cusip>
         <value>230729</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8661</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8661</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST BANCORP INC ME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31866P102</cusip>
         <value>233010</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9000</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>WTR ETF</titleOfClass>
         <cusip>33733B100</cusip>
         <value>501361</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5995</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5995</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>33734H106</cusip>
         <value>364411</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9074</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4740</Sole>
             <Shared>2000</Shared>
             <None>2334</None>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FST LOW OPPT EFT</titleOfClass>
         <cusip>33739Q200</cusip>
         <value>239350</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>EQUITYCOMPASS</titleOfClass>
         <cusip>33740F607</cusip>
         <value>592225</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Shared>26600</Shared>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SMID RISNG ETF</titleOfClass>
         <cusip>33741X102</cusip>
         <value>2492959</value>
         <shrsOrPrnAmt>
             <sshPrnamt>93542</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>239736</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2121</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>2121</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FORTINET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959E109</cusip>
         <value>4641499</value>
         <shrsOrPrnAmt>
             <sshPrnamt>69839</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>11048</None>
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         <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959J108</cusip>
         <value>557152</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>3807</None>
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     <infoTable>
         <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>35671D857</cusip>
         <value>596835</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I</nameOfIssuer>
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         <cusip>36266G107</cusip>
         <value>245515</value>
         <shrsOrPrnAmt>
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         <otherManager>5</otherManager>
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             <None>0</None>
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         <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>363576109</cusip>
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     <infoTable>
         <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>369550108</cusip>
         <value>794855</value>
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             <sshPrnamt>3483</sshPrnamt>
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             <None>669</None>
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         <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>370334104</cusip>
         <value>1655957</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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         <titleOfClass>COM</titleOfClass>
         <cusip>371901109</cusip>
         <value>313936</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>GENMAB A/S</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>372303206</cusip>
         <value>1686701</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44669</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>3223</None>
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         <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>372460105</cusip>
         <value>664721</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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             <None>132</None>
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         <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>375558103</cusip>
         <value>2475243</value>
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             <sshPrnamt>29833</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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         <nameOfIssuer>GLOBE LIFE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>37959E102</cusip>
         <value>1962536</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>17838</Sole>
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             <None>0</None>
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         <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>38141G104</cusip>
         <value>2744125</value>
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             <sshPrnamt>8389</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>384802104</cusip>
         <value>924382</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1342</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>16</None>
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         <nameOfIssuer>GUIDEWIRE SOFTWARE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>40171V100</cusip>
         <value>1164617</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>679580100</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>682143102</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>68235P108</cusip>
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         <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>700846</value>
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         <nameOfIssuer>ORACLE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>5787</sshPrnamt>
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         <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>PPG INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>5983</sshPrnamt>
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         <value>657628</value>
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         <nameOfIssuer>PACKAGING CORP AMER</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>695156109</cusip>
         <value>230874</value>
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             <sshPrnamt>1663</sshPrnamt>
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         <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
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         <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>704326107</cusip>
         <value>590596</value>
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             <Sole>3318</Sole>
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         <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>PEPSICO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>713448108</cusip>
         <value>11119934</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PFIZER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>717081103</cusip>
         <value>8073829</value>
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             <sshPrnamt>197888</sshPrnamt>
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         <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>2830558</value>
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         <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
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         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
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         <cusip>72201R775</cusip>
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         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
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         <value>645195</value>
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             <sshPrnamt>7066</sshPrnamt>
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         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
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         <cusip>72201R833</cusip>
         <value>493371</value>
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         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
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         <cusip>72201R866</cusip>
         <value>1492231</value>
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         <nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>723787107</cusip>
         <value>2253788</value>
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         <nameOfIssuer>POLARIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>731068102</cusip>
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         <nameOfIssuer>POOL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>73278L105</cusip>
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         <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74144T108</cusip>
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         <nameOfIssuer>PRINCIPAL EXCHANGE TRADED FD</nameOfIssuer>
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         <cusip>74255Y888</cusip>
         <value>1605724</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
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         <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74340W103</cusip>
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         <nameOfIssuer>PROSHARES TR</nameOfIssuer>
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         <cusip>74347B680</cusip>
         <value>417425</value>
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         <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>744320102</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74460D109</cusip>
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         <nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>745867101</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>747525103</cusip>
         <value>8162823</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74762E102</cusip>
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             <sshPrnamt>9816</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>242920</value>
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     <infoTable>
         <nameOfIssuer>RPM INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>749685103</cusip>
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             <sshPrnamt>4193</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>RAYONIER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>754907103</cusip>
         <value>217652</value>
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     <infoTable>
         <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
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             <sshPrnamt>56477</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>8211</sshPrnamt>
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         <nameOfIssuer>RED RIVER BANCSHARES INC</nameOfIssuer>
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         <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
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             <sshPrnamt>3982</sshPrnamt>
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         <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
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         <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
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         <nameOfIssuer>RELIANCE STEEL &amp; ALUMINUM CO</nameOfIssuer>
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         <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>6531</sshPrnamt>
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         <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
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         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
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         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
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         <nameOfIssuer>SJW GROUP</nameOfIssuer>
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         <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
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         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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     <infoTable>
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     <infoTable>
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         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
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         <cusip>81369Y209</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2617</Sole>
             <Shared>2587</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>749864</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10037</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6586</Sole>
             <Shared>3451</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>499014</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3337</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2287</Sole>
             <Shared>1050</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>980540</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11838</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8988</Sole>
             <Shared>2850</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>779154</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24235</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>22635</Sole>
             <Shared>1600</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>1559992</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15418</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>13804</Sole>
             <Shared>1614</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>759882</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5032</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2230</Sole>
             <Shared>2802</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>RL EST SEL SEC</titleOfClass>
         <cusip>81369Y860</cusip>
         <value>1659335</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44391</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>43891</Sole>
             <Shared>500</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816300107</cusip>
         <value>476650</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>459526</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3040</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2979</Sole>
             <Shared>61</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>1826349</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3930</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3837</Sole>
             <Shared>93</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>1564399</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6960</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6945</Sole>
             <Shared>15</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>827121</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7387</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7357</Sole>
             <Shared>0</Shared>
             <None>30</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982L103</cusip>
         <value>819851</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5990</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5849</Sole>
             <Shared>69</Shared>
             <None>72</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMITH A O CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>831865209</cusip>
         <value>829800</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>12000</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>998197</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6343</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6043</Sole>
             <Shared>300</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>384407</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1557</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>778</Sole>
             <Shared>779</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOLAREDGE TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83417M104</cusip>
         <value>2324912</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7649</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7609</Sole>
             <Shared>40</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONY GROUP CORPORATION</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>835699307</cusip>
         <value>342656</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3780</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3066</Sole>
             <Shared>714</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>842587107</cusip>
         <value>2763716</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39720</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>35416</Sole>
             <Shared>4304</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>854502101</cusip>
         <value>314745</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3906</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3734</Sole>
             <Shared>172</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
         <value>3891233</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37369</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>29853</Sole>
             <Shared>3377</Shared>
             <None>4139</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STATE STR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>857477103</cusip>
         <value>774307</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10230</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10208</Sole>
             <Shared>22</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>858119100</cusip>
         <value>4949878</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43781</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>43733</Sole>
             <Shared>48</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STIFEL FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>860630102</cusip>
         <value>3898315</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65972</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>65972</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
         <value>4062237</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14230</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9898</Sole>
             <Shared>332</Shared>
             <None>4000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SYSCO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871829107</cusip>
         <value>464074</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6009</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6009</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872540109</cusip>
         <value>8913214</value>
         <shrsOrPrnAmt>
             <sshPrnamt>113747</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>103234</Sole>
             <Shared>5698</Shared>
             <None>4815</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872590104</cusip>
         <value>687265</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4745</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4653</Sole>
             <Shared>92</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>874039100</cusip>
         <value>634303</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6819</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4988</Sole>
             <Shared>125</Shared>
             <None>1706</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TARGET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612E106</cusip>
         <value>2191781</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13233</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8522</Sole>
             <Shared>2083</Shared>
             <None>2628</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TELEFLEX INCORPORATED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>879369106</cusip>
         <value>717626</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2833</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2728</Sole>
             <Shared>0</Shared>
             <None>105</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TESLA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88160R101</cusip>
         <value>593957</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2863</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2863</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TETRA TECH INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88162G103</cusip>
         <value>296610</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2019</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1905</Sole>
             <Shared>114</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>882508104</cusip>
         <value>3417003</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18370</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>17945</Sole>
             <Shared>425</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>883556102</cusip>
         <value>13085904</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22704</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>19339</Sole>
             <Shared>742</Shared>
             <None>2623</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>3M CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88579Y101</cusip>
         <value>2388203</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22721</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18616</Sole>
             <Shared>1862</Shared>
             <None>2243</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>89151E109</cusip>
         <value>463719</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7853</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4991</Sole>
             <Shared>323</Shared>
             <None>2539</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>892356106</cusip>
         <value>724862</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>TRANSDIGM GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>893641100</cusip>
         <value>1786609</value>
         <shrsOrPrnAmt>
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             <None>2217</None>
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         <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89417E109</cusip>
         <value>1109536</value>
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         <nameOfIssuer>TRIMBLE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>896239100</cusip>
         <value>660544</value>
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         <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89832Q109</cusip>
         <value>3514107</value>
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         <value>3924402</value>
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         <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
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         <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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         <nameOfIssuer>UNITED THERAPEUTICS CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91324P102</cusip>
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         <nameOfIssuer>V F CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>918204108</cusip>
         <value>313614</value>
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         <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>919794107</cusip>
         <value>138600</value>
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         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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         <cusip>92189H201</cusip>
         <value>1009374</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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         <cusip>92189H409</cusip>
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     <infoTable>
         <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
         <titleOfClass>DIV APP ETF</titleOfClass>
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         <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
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         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
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         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
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         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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         <cusip>921937827</cusip>
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         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>8022514</value>
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         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
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         <cusip>921946406</cusip>
         <value>28897188</value>
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         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
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         <cusip>921946810</cusip>
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         <cusip>922020805</cusip>
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         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
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         <shrsOrPrnAmt>
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         <votingAuthority>
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         <cusip>922042858</cusip>
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         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
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         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>231722</value>
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         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
         <value>250383</value>
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     <infoTable>
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         <titleOfClass>INF TECH ETF</titleOfClass>
         <cusip>92204A702</cusip>
         <value>475284</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1233</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>1233</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>4507250</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59127</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000IDX</titleOfClass>
         <cusip>92206C730</cusip>
         <value>1621256</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8701</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>8701</Sole>
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         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
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         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
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         <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
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             <None>0</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>7513878</value>
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             <sshPrnamt>19980</sshPrnamt>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>9425924</value>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>8445363</value>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>2453333</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29544</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>3880014</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17929</sshPrnamt>
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         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>5060316</value>
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         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>4006636</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>29915837</value>
         <shrsOrPrnAmt>
             <sshPrnamt>119932</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>8355516</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60499</sshPrnamt>
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         <votingAuthority>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>4064545</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21442</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>1675456</value>
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             <sshPrnamt>8209</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>3873093</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <votingAuthority>
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             <None>2759</None>
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         <value>355962</value>
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         <cusip>92826C839</cusip>
         <value>17942106</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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         <nameOfIssuer>VOYA FINANCIAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>8279</None>
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         <nameOfIssuer>WNS HLDGS LTD</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
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         <value>261900</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92939U106</cusip>
         <value>299725</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>931142103</cusip>
         <value>5991630</value>
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             <sshPrnamt>40635</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>1826</None>
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         <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931427108</cusip>
         <value>361879</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>0</None>
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         <nameOfIssuer>WASTE CONNECTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106B101</cusip>
         <value>2189378</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15743</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5837</Sole>
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             <None>9906</None>
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         <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106L109</cusip>
         <value>2142585</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <Shared>1001</Shared>
             <None>1217</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>942622200</cusip>
         <value>237664</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>52</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>949746101</cusip>
         <value>2408991</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>14000</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>955306105</cusip>
         <value>1068167</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>3083</Sole>
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             <None>0</None>
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         <nameOfIssuer>WEYERHAEUSER CO MTN BE</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>962166104</cusip>
         <value>1380495</value>
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             <sshPrnamt>45818</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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         <titleOfClass>COM</titleOfClass>
         <cusip>969457100</cusip>
         <value>818969</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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         <nameOfIssuer>WILLSCOT MOBIL MINI HLDNG CO</nameOfIssuer>
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         <cusip>971378104</cusip>
         <value>572451</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>0</None>
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         <nameOfIssuer>WOODWARD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>980745103</cusip>
         <value>596780</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>0</None>
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         <nameOfIssuer>WORKIVA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>98139A105</cusip>
         <value>349832</value>
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             <sshPrnamt>3416</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>3416</Sole>
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             <None>0</None>
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         <nameOfIssuer>XCEL ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98389B100</cusip>
         <value>305502</value>
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             <sshPrnamt>4530</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>XYLEM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98419M100</cusip>
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         <otherManager>5</otherManager>
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         <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>988498101</cusip>
         <value>1473484</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11156</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10651</Sole>
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             <None>279</None>
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         <nameOfIssuer>YUM CHINA HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98850P109</cusip>
         <value>615960</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9717</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9667</Sole>
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             <None>50</None>
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         <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98956P102</cusip>
         <value>2011514</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15569</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>15563</Sole>
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             <None>0</None>
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         <nameOfIssuer>ZOETIS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>98978V103</cusip>
         <value>2062357</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12391</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>11598</Sole>
             <Shared>618</Shared>
             <None>175</None>
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         <nameOfIssuer>AON PLC</nameOfIssuer>
         <titleOfClass>SHS CL A</titleOfClass>
         <cusip>G0403H108</cusip>
         <value>3772759</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11966</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>11604</Sole>
             <Shared>200</Shared>
             <None>162</None>
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         <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G0450A105</cusip>
         <value>808670</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11915</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>11915</Sole>
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             <None>0</None>
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         <nameOfIssuer>ASSURED GUARANTY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G0585R106</cusip>
         <value>226215</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4500</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>4500</Sole>
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             <None>0</None>
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         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>7373325</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25798</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>20911</Sole>
             <Shared>2144</Shared>
             <None>2743</None>
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         <nameOfIssuer>CLARIVATE PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G21810109</cusip>
         <value>150784</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16058</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>16058</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>7380299</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43074</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>42423</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G46188101</cusip>
         <value>327420</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3000</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>8735648</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24577</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>24551</Sole>
             <Shared>26</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>1102397</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13674</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>12556</Sole>
             <Shared>769</Shared>
             <None>349</None>
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         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>747746</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6665</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6203</Sole>
             <Shared>423</Shared>
             <None>39</None>
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     <infoTable>
         <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>643283</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14981</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>14967</Sole>
             <Shared>14</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>785042</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4267</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1267</Sole>
             <Shared>3000</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>282582</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4006</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2671</Sole>
             <Shared>1209</Shared>
             <None>126</None>
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     <infoTable>
         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>6227934</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32073</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>30187</Sole>
             <Shared>1126</Shared>
             <None>760</None>
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         <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
         <value>342721</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2316</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2316</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>AERCAP HOLDINGS NV</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N00985106</cusip>
         <value>805101</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14318</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>14318</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>688197</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1011</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>580</Sole>
             <Shared>61</Shared>
             <None>370</None>
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         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>664037</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3561</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3375</Sole>
             <Shared>186</Shared>
             <None>0</None>
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         <nameOfIssuer>DIANA SHIPPING INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>Y2066G104</cusip>
         <value>63991</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16408</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>16408</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>AAR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>000361105</cusip>
         <value>286223</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5247</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>5060</Sole>
             <Shared>0</Shared>
             <None>187</None>
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         <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>002824100</cusip>
         <value>1658131</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>14684</Sole>
             <Shared>1307</Shared>
             <None>384</None>
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         <nameOfIssuer>ABBVIE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00287Y109</cusip>
         <value>848644</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5325</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>5224</Sole>
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             <None>101</None>
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         <nameOfIssuer>ADDUS HOMECARE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>006739106</cusip>
         <value>309924</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2903</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>2903</Sole>
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             <None>0</None>
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         <nameOfIssuer>ADOBE SYSTEMS INCORPORATED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00724F101</cusip>
         <value>1664412</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4319</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>4188</Sole>
             <Shared>16</Shared>
             <None>115</None>
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         <nameOfIssuer>ADVANCED ENERGY INDS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>007973100</cusip>
         <value>227752</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2324</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>2240</Sole>
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             <None>84</None>
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         <nameOfIssuer>ALBANY INTL CORP</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>012348108</cusip>
         <value>259590</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2905</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>2800</Sole>
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             <None>105</None>
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         <nameOfIssuer>ALIGN TECHNOLOGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>016255101</cusip>
         <value>723413</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2165</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>2165</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>020002101</cusip>
         <value>839385</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7575</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>7431</Sole>
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             <None>144</None>
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         <nameOfIssuer>ALPHABET INC</nameOfIssuer>
         <titleOfClass>CAP STK CL C</titleOfClass>
         <cusip>02079K107</cusip>
         <value>4579952</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44038</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
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             <None>780</None>
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     <infoTable>
         <nameOfIssuer>ALPHABET INC</nameOfIssuer>
         <titleOfClass>CAP STK CL A</titleOfClass>
         <cusip>02079K305</cusip>
         <value>1456679</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14043</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>13763</Sole>
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             <None>280</None>
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         <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>023135106</cusip>
         <value>4348611</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42101</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>39786</Sole>
             <Shared>389</Shared>
             <None>1926</None>
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     <infoTable>
         <nameOfIssuer>AMERICAN INTL GROUP INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>026874784</cusip>
         <value>2185624</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>39250</Sole>
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             <None>985</None>
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         <nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>03027X100</cusip>
         <value>1560339</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7636</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>7584</Sole>
             <Shared>52</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>APPLE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>037833100</cusip>
         <value>1152321</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6988</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3408</Sole>
             <Shared>2762</Shared>
             <None>818</None>
         </votingAuthority>
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         <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>060505104</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>075887109</cusip>
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         <nameOfIssuer>BERKLEY W R CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>084423102</cusip>
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         <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
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         <nameOfIssuer>BIO-TECHNE CORP</nameOfIssuer>
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             <sshPrnamt>3384</sshPrnamt>
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         <nameOfIssuer>BORGWARNER INC</nameOfIssuer>
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         <nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
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         <nameOfIssuer>BROOKFIELD CORP</nameOfIssuer>
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         <nameOfIssuer>CCC INTELLIGENT SOLUTIONS HL</nameOfIssuer>
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         <nameOfIssuer>CDW CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>208922</value>
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         <nameOfIssuer>CTS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>126501105</cusip>
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         <nameOfIssuer>CVENT HOLDING CORP</nameOfIssuer>
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         <nameOfIssuer>CABOT CORP</nameOfIssuer>
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         <nameOfIssuer>CAMECO CORP</nameOfIssuer>
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         <nameOfIssuer>CARMAX INC</nameOfIssuer>
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         <cusip>143130102</cusip>
         <value>1080931</value>
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         <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
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         <nameOfIssuer>CASELLA WASTE SYS INC</nameOfIssuer>
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         <nameOfIssuer>CONMED CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>207410101</cusip>
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         <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
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         <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
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         <nameOfIssuer>CRACKER BARREL OLD CTRY STOR</nameOfIssuer>
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         <cusip>244199105</cusip>
         <value>960358</value>
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         <nameOfIssuer>DESCARTES SYS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>249906108</cusip>
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         <cusip>615394202</cusip>
         <value>268901</value>
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             <sshPrnamt>2669</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>631103108</cusip>
         <value>891612</value>
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         <otherManager>6</otherManager>
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         <nameOfIssuer>NETFLIX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>64110L106</cusip>
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             <sshPrnamt>1343</sshPrnamt>
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         <cusip>654106103</cusip>
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         <cusip>66987V109</cusip>
         <value>669208</value>
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         <otherManager>6</otherManager>
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         <nameOfIssuer>OCEANEERING INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>675232102</cusip>
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         <otherManager>6</otherManager>
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         <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>681116109</cusip>
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         <otherManager>6</otherManager>
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         <cusip>68389X105</cusip>
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         <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
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             <sshPrnamt>2025</sshPrnamt>
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         <nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>701094104</cusip>
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             <sshPrnamt>3715</sshPrnamt>
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         <nameOfIssuer>PARSONS CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70202L102</cusip>
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         <nameOfIssuer>PAYLOCITY HLDG CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70438V106</cusip>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>70450Y103</cusip>
         <value>925708</value>
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             <sshPrnamt>12190</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>713448108</cusip>
         <value>3475001</value>
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             <sshPrnamt>19062</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>PFIZER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>717081103</cusip>
         <value>927954</value>
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             <sshPrnamt>22744</sshPrnamt>
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         <nameOfIssuer>PLAINS ALL AMERN PIPELINE L</nameOfIssuer>
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         <cusip>726503105</cusip>
         <value>155687</value>
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         <nameOfIssuer>PLEXUS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>QUALYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>REGAL REXNORD CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
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         <cusip>759351604</cusip>
         <value>288354</value>
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         <cusip>760125104</cusip>
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         <cusip>78462F103</cusip>
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         <titleOfClass>COM</titleOfClass>
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             <Shared>0</Shared>
             <None>187</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>444695</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3435</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3435</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>474624</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3143</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3143</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>2633568</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5667</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>5667</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>779726</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3469</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3039</Sole>
             <Shared>203</Shared>
             <None>227</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>833445109</cusip>
         <value>534460</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3464</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3464</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONY GROUP CORPORATION</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>835699307</cusip>
         <value>1450943</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16006</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>16006</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHSTATE CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>840441109</cusip>
         <value>251547</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3530</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3404</Sole>
             <Shared>0</Shared>
             <None>126</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STAG INDL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>85254J102</cusip>
         <value>251316</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7431</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>7166</Sole>
             <Shared>0</Shared>
             <None>265</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
         <value>2069479</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19874</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>18662</Sole>
             <Shared>375</Shared>
             <None>837</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STEELCASE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>858155203</cusip>
         <value>111842</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13283</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>12805</Sole>
             <Shared>0</Shared>
             <None>478</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
         <value>3625468</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>12027</Sole>
             <Shared>142</Shared>
             <None>531</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872540109</cusip>
         <value>2018239</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25756</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>23208</Sole>
             <Shared>1510</Shared>
             <None>1038</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>874054109</cusip>
         <value>609264</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5107</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>4986</Sole>
             <Shared>0</Shared>
             <None>121</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TARGA RES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612G101</cusip>
         <value>226436</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3104</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3104</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>882508104</cusip>
         <value>1560995</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8392</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>7533</Sole>
             <Shared>671</Shared>
             <None>188</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THE TRADE DESK INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>88339J105</cusip>
         <value>1058615</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17380</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>17380</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>883556102</cusip>
         <value>2051300</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3559</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3014</Sole>
             <Shared>255</Shared>
             <None>290</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THOUGHTWORKS HOLDING INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88546E105</cusip>
         <value>76713</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10423</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>10423</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TIMKEN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>887389104</cusip>
         <value>306613</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3752</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3617</Sole>
             <Shared>0</Shared>
             <None>135</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>89151E109</cusip>
         <value>875357</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14824</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>14824</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRANSUNION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89400J107</cusip>
         <value>783460</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12608</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>12456</Sole>
             <Shared>152</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89832Q109</cusip>
         <value>1365056</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40031</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>39085</Sole>
             <Shared>0</Shared>
             <None>946</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90353T100</cusip>
         <value>207317</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6540</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>5233</Sole>
             <Shared>0</Shared>
             <None>1307</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90384S303</cusip>
         <value>1250129</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2291</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>2291</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>904767704</cusip>
         <value>799306</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15392</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>12599</Sole>
             <Shared>2793</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>907818108</cusip>
         <value>1211987</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6022</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>5843</Sole>
             <Shared>58</Shared>
             <None>121</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITED CMNTY BKS BLAIRSVLE G</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90984P303</cusip>
         <value>205500</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7308</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>7047</Sole>
             <Shared>0</Shared>
             <None>261</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>911312106</cusip>
         <value>376922</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1943</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>1551</Sole>
             <Shared>106</Shared>
             <None>286</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91324P102</cusip>
         <value>2192344</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4639</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3571</Sole>
             <Shared>867</Shared>
             <None>201</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
         <titleOfClass>VG TL INTL STK F</titleOfClass>
         <cusip>921909768</cusip>
         <value>588206</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10654</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>7777</Sole>
             <Shared>2877</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
         <value>434761</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9625</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>9625</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>1896362</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17975</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>13460</Sole>
             <Shared>4175</Shared>
             <None>340</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>7366495</value>
         <shrsOrPrnAmt>
             <sshPrnamt>182339</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>179679</Sole>
             <Shared>2660</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>5460535</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14520</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>14460</Sole>
             <Shared>0</Shared>
             <None>60</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>318952</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2379</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>2354</Sole>
             <Shared>0</Shared>
             <None>25</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>940388</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3770</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3527</Sole>
             <Shared>243</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>782350</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20117</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>19423</Sole>
             <Shared>249</Shared>
             <None>445</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>4270888</value>
         <shrsOrPrnAmt>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>CREDICORP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE</nameOfIssuer>
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         <cusip>G4705A100</cusip>
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         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>811036</value>
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         <cusip>G6095L109</cusip>
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         <cusip>N07059210</cusip>
         <value>1818856</value>
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         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
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         <cusip>00162Q205</cusip>
         <value>12740</value>
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         <cusip>00214Q203</cusip>
         <value>1358</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>023135106</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>539830109</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>548661107</cusip>
         <value>328751</value>
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         <nameOfIssuer>LYFT INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>55087P104</cusip>
         <value>250</value>
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             <sshPrnamt>27</sshPrnamt>
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         <nameOfIssuer>MSA SAFETY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>20025</value>
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         <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
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         <cusip>57636Q104</cusip>
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         <nameOfIssuer>MATCH GROUP INC NEW</nameOfIssuer>
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         <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>MEDICAL PPTYS TRUST INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>7398</value>
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         <value>51404</value>
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         <nameOfIssuer>METLIFE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>59156R108</cusip>
         <value>2028</value>
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             <sshPrnamt>35</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
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         <value>235097789</value>
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         <nameOfIssuer>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>595017104</cusip>
         <value>50268</value>
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             <sshPrnamt>600</sshPrnamt>
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         <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
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         <cusip>609207105</cusip>
         <value>3904</value>
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             <Sole>56</Sole>
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         <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>617446448</cusip>
         <value>2195</value>
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             <sshPrnamt>25</sshPrnamt>
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             <Sole>25</Sole>
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         <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>65339F101</cusip>
         <value>343083</value>
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         <nameOfIssuer>NIKE INC</nameOfIssuer>
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         <cusip>654106103</cusip>
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         <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
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         <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
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         <value>1847</value>
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         <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
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         <nameOfIssuer>NUVEEN MULTI ASSET INCOME FU</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670750108</cusip>
         <value>39121</value>
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         <nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <cusip>68389X105</cusip>
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         <value>282</value>
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         <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693475105</cusip>
         <value>3559</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PPG INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693506107</cusip>
         <value>2939</value>
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         <nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>701094104</cusip>
         <value>28569</value>
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         <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>704326107</cusip>
         <value>97974</value>
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         <nameOfIssuer>PELOTON INTERACTIVE INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>70614W100</cusip>
         <value>13608</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PEMBINA PIPELINE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>706327103</cusip>
         <value>25920</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PEPSICO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>713448108</cusip>
         <value>207921383</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PFIZER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>717081103</cusip>
         <value>128027520</value>
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         <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>718172109</cusip>
         <value>12643</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>718546104</cusip>
         <value>5779</value>
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         <nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>723787107</cusip>
         <value>3881</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>163756001</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1101323</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1058276</Sole>
             <Shared>0</Shared>
             <None>43047</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>744320102</cusip>
         <value>1820</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>QUALCOMM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>747525103</cusip>
         <value>20540</value>
         <shrsOrPrnAmt>
             <sshPrnamt>161</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>161</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
         <value>130345</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1331</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>958</Sole>
             <Shared>0</Shared>
             <None>373</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>756109104</cusip>
         <value>2026</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>32</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>760759100</cusip>
         <value>95805</value>
         <shrsOrPrnAmt>
             <sshPrnamt>709</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>709</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RESMED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>761152107</cusip>
         <value>21523</value>
         <shrsOrPrnAmt>
             <sshPrnamt>98</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>98</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>773903109</cusip>
         <value>88035</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>300</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>778296103</cusip>
         <value>14858</value>
         <shrsOrPrnAmt>
             <sshPrnamt>140</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>140</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>78410G104</cusip>
         <value>23496</value>
         <shrsOrPrnAmt>
             <sshPrnamt>90</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>90</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>67549</value>
         <shrsOrPrnAmt>
             <sshPrnamt>165</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>165</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>35788956</value>
         <shrsOrPrnAmt>
             <sshPrnamt>195334</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>180457</Sole>
             <Shared>0</Shared>
             <None>14877</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BBG CONV SEC ETF</titleOfClass>
         <cusip>78464A359</cusip>
         <value>7981</value>
         <shrsOrPrnAmt>
             <sshPrnamt>119</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>119</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
         <cusip>78464A508</cusip>
         <value>7737</value>
         <shrsOrPrnAmt>
             <sshPrnamt>190</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>190</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>2456</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>56</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>BLACKSTONE SENR</titleOfClass>
         <cusip>78467V608</cusip>
         <value>7256</value>
         <shrsOrPrnAmt>
             <sshPrnamt>175</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>175</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
         <titleOfClass>UT SER 1</titleOfClass>
         <cusip>78467X109</cusip>
         <value>141364</value>
         <shrsOrPrnAmt>
             <sshPrnamt>425</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>425</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>8048758</value>
         <shrsOrPrnAmt>
             <sshPrnamt>87658</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>86049</Sole>
             <Shared>0</Shared>
             <None>1609</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG MU</titleOfClass>
         <cusip>78468R721</cusip>
         <value>4147269</value>
         <shrsOrPrnAmt>
             <sshPrnamt>88579</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>81007</Sole>
             <Shared>0</Shared>
             <None>7572</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>4840638</value>
         <shrsOrPrnAmt>
             <sshPrnamt>101801</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>93087</Sole>
             <Shared>0</Shared>
             <None>8714</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>
         <cusip>78468R788</cusip>
         <value>87400</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>2300</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>3417</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>HENRY SCHEIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806407102</cusip>
         <value>37495569</value>
         <shrsOrPrnAmt>
             <sshPrnamt>459839</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>437849</Sole>
             <Shared>0</Shared>
             <None>21990</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>3442488</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42679</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>40559</Sole>
             <Shared>0</Shared>
             <None>2120</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>13224117</value>
         <shrsOrPrnAmt>
             <sshPrnamt>102148</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>96810</Sole>
             <Shared>0</Shared>
             <None>5338</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>3789877</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50728</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>47582</Sole>
             <Shared>0</Shared>
             <None>3146</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>8423621</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56330</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>53046</Sole>
             <Shared>0</Shared>
             <None>3284</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>3237411</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39085</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>37082</Sole>
             <Shared>0</Shared>
             <None>2003</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>8990831</value>
         <shrsOrPrnAmt>
             <sshPrnamt>279653</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>265146</Sole>
             <Shared>0</Shared>
             <None>14507</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>11964859</value>
         <shrsOrPrnAmt>
             <sshPrnamt>118253</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>112138</Sole>
             <Shared>0</Shared>
             <None>6115</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>25283483</value>
         <shrsOrPrnAmt>
             <sshPrnamt>167429</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>159019</Sole>
             <Shared>0</Shared>
             <None>8410</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>3932685</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67840</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>64583</Sole>
             <Shared>0</Shared>
             <None>3257</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>4508357</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66603</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>63350</Sole>
             <Shared>0</Shared>
             <None>3253</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>4837</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>32</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSEONICS HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81727U105</cusip>
         <value>10650</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>15000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE PPTYS TR</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>81761L102</cusip>
         <value>1992</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>44221</value>
         <shrsOrPrnAmt>
             <sshPrnamt>281</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>281</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>27896589</value>
         <shrsOrPrnAmt>
             <sshPrnamt>112992</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>107365</Sole>
             <Shared>0</Shared>
             <None>5627</None>
         </votingAuthority>
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         <nameOfIssuer>WESTERN DIGITAL CORP.</nameOfIssuer>
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