<SEC-DOCUMENT>0000720672-23-000009.txt : 20230814
<SEC-HEADER>0000720672-23-000009.hdr.sgml : 20230814
<ACCEPTANCE-DATETIME>20230814160743
ACCESSION NUMBER:		0000720672-23-000009
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20230630
FILED AS OF DATE:		20230814
DATE AS OF CHANGE:		20230814
EFFECTIVENESS DATE:		20230814

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:		231169993

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

	MAIL ADDRESS:	
		STREET 1:		ATTN: JAMES G. LASCHOBER
		STREET 2:		501 N. BROADWAY
		CITY:			ST. LOUIS
		STATE:			MO
		ZIP:			63102-2102
</SEC-HEADER>
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        <address>
          <com:street1>ATTN: JAMES G. LASCHOBER</com:street1>
          <com:street2>501 N. BROADWAY</com:street2>
          <com:city>ST. LOUIS</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>63102-2102</com:zipCode>
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      <name>James M. Zemlyak</name>
      <title>President</title>
      <phone>314 342-2000</phone>
      <signature>/s/ James M. Zemlyak</signature>
      <city>St. Louis</city>
      <stateOrCountry>MO</stateOrCountry>
      <signatureDate>08-14-2023</signatureDate>
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         <titleOfClass>COM</titleOfClass>
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             <None>609</None>
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         <nameOfIssuer>BRIGHTHOUSE FINL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <None>2145</None>
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             <None>879</None>
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             <None>200</None>
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         <nameOfIssuer>HBT FINL INC.</nameOfIssuer>
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             <None>338</None>
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         <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
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             <None>176</None>
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             <None>51</None>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>578</None>
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             <None>1271</None>
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         <cusip>684060106</cusip>
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             <None>1256</None>
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         <value>4724</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>227</None>
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         <nameOfIssuer>ORTHOPEDIATRICS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <None>570</None>
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         <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68902V107</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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             <Shared>0</Shared>
             <None>1027</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>911363109</cusip>
         <value>7126</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <None>16</None>
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         <nameOfIssuer>UNITED THERAPEUTICS CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91307C102</cusip>
         <value>9492</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>43</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>91324P102</cusip>
         <value>263391</value>
         <shrsOrPrnAmt>
             <sshPrnamt>548</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>548</None>
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         <nameOfIssuer>UNITY SOFTWARE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91332U101</cusip>
         <value>7815</value>
         <shrsOrPrnAmt>
             <sshPrnamt>180</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>180</None>
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     <infoTable>
         <nameOfIssuer>UNIVERSAL DISPLAY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91347P105</cusip>
         <value>6774</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>47</None>
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         <nameOfIssuer>UNUM GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91529Y106</cusip>
         <value>27905</value>
         <shrsOrPrnAmt>
             <sshPrnamt>585</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>585</None>
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         <nameOfIssuer>V F CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>918204108</cusip>
         <value>4963</value>
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             <sshPrnamt>260</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>260</None>
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         <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91913Y100</cusip>
         <value>31319</value>
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             <sshPrnamt>267</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>267</None>
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         <nameOfIssuer>VALVOLINE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92047W101</cusip>
         <value>5551</value>
         <shrsOrPrnAmt>
             <sshPrnamt>148</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>148</None>
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         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
         <value>209334</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4533</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>4533</None>
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         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHORT TERM TREAS</titleOfClass>
         <cusip>92206C102</cusip>
         <value>326982</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5664</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>5664</None>
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         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>983</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
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             <None>13</None>
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         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
         <cusip>92206C771</cusip>
         <value>1886</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>41</None>
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         <nameOfIssuer>VECTOR GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92240M108</cusip>
         <value>1896</value>
         <shrsOrPrnAmt>
             <sshPrnamt>148</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>148</None>
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         <cusip>922475108</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>187</None>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
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             <None>292</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>3666</value>
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             <None>9</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>415</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>3</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>617</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>3</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>220091</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>958</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>266624</value>
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             <None>1612</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>174870</value>
         <shrsOrPrnAmt>
             <sshPrnamt>618</sshPrnamt>
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             <None>618</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>80713</value>
         <shrsOrPrnAmt>
             <sshPrnamt>568</sshPrnamt>
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             <None>568</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>39871</value>
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             <sshPrnamt>181</sshPrnamt>
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             <None>181</None>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>19</None>
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         <titleOfClass>COM</titleOfClass>
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             <None>10990</None>
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         <value>77077</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>341</None>
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         <cusip>92532F100</cusip>
         <value>52435</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>149</None>
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         <nameOfIssuer>PARAMOUNT GLOBAL</nameOfIssuer>
         <titleOfClass>CLASS B COM</titleOfClass>
         <cusip>92556H206</cusip>
         <value>11090</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>697</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>22884</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2293</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>2293</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>925652109</cusip>
         <value>7575</value>
         <shrsOrPrnAmt>
             <sshPrnamt>241</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>241</None>
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         <nameOfIssuer>VIRTU FINL INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>928254101</cusip>
         <value>15398</value>
         <shrsOrPrnAmt>
             <sshPrnamt>901</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>901</None>
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         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>243656</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1026</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1026</None>
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     <infoTable>
         <nameOfIssuer>VISHAY INTERTECHNOLOGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>928298108</cusip>
         <value>16087</value>
         <shrsOrPrnAmt>
             <sshPrnamt>547</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>547</None>
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     <infoTable>
         <nameOfIssuer>VISTRA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92840M102</cusip>
         <value>4200</value>
         <shrsOrPrnAmt>
             <sshPrnamt>160</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>160</None>
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     <infoTable>
         <nameOfIssuer>VITESSE ENERGY INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>92852X103</cusip>
         <value>35033</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1564</None>
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     <infoTable>
         <nameOfIssuer>VMWARE INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>928563402</cusip>
         <value>7041</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>49</None>
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     <infoTable>
         <nameOfIssuer>VONTIER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>928881101</cusip>
         <value>4960</value>
         <shrsOrPrnAmt>
             <sshPrnamt>154</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>154</None>
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     <infoTable>
         <nameOfIssuer>VORNADO RLTY TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>929042109</cusip>
         <value>94364</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5202</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>5202</None>
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     <infoTable>
         <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929160109</cusip>
         <value>2931</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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         <value>31533</value>
         <shrsOrPrnAmt>
             <sshPrnamt>319</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>319</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>AON PLC</nameOfIssuer>
         <titleOfClass>SHS CL A</titleOfClass>
         <cusip>G0403H108</cusip>
         <value>43495</value>
         <shrsOrPrnAmt>
             <sshPrnamt>126</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>126</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G0692U109</cusip>
         <value>2961</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>55</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>113249</value>
         <shrsOrPrnAmt>
             <sshPrnamt>367</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>367</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>BUNGE LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G16962105</cusip>
         <value>3868</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>41</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>55504</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>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FERGUSON PLC NEW</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3421J106</cusip>
         <value>6922</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>44</None>
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     <infoTable>
         <nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer>
         <titleOfClass>ORDINARY SHARES</titleOfClass>
         <cusip>G39387108</cusip>
         <value>11818</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>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GRAB HOLDINGS LIMITED</nameOfIssuer>
         <titleOfClass>CLASS A ORD</titleOfClass>
         <cusip>G4124C109</cusip>
         <value>18003</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5249</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>5249</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G46188101</cusip>
         <value>5657</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>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>190860</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>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>249776</value>
         <shrsOrPrnAmt>
             <sshPrnamt>655</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>655</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>180958</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2054</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>2054</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>12761</value>
         <shrsOrPrnAmt>
             <sshPrnamt>125</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>125</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
         <value>11080</value>
         <shrsOrPrnAmt>
             <sshPrnamt>509</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>509</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>6407</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>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ROYALTY PHARMA PLC</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G7709Q104</cusip>
         <value>1568</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>51</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G7997R103</cusip>
         <value>12374</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>200</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>3553</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>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>36149</value>
         <shrsOrPrnAmt>
             <sshPrnamt>189</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>189</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TRITON INTL LTD</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>G9078F107</cusip>
         <value>42796</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>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>3062</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>13</None>
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     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>16340</value>
         <shrsOrPrnAmt>
             <sshPrnamt>199</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>199</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>72017</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>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GARMIN LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H2906T109</cusip>
         <value>4484</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>43</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H42097107</cusip>
         <value>23675</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1168</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1168</None>
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     <infoTable>
         <nameOfIssuer>LOGITECH INTL S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H50430232</cusip>
         <value>2376</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>TE CONNECTIVITY LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H84989104</cusip>
         <value>4345</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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     <infoTable>
         <nameOfIssuer>GLOBANT S A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>L44385109</cusip>
         <value>85008</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>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>7546</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>47</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M22465104</cusip>
         <value>31029</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>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
         <value>7816</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>50</None>
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     <infoTable>
         <nameOfIssuer>ELBIT SYS LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M3760D101</cusip>
         <value>23404</value>
         <shrsOrPrnAmt>
             <sshPrnamt>112</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>112</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ICL GROUP LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M53213100</cusip>
         <value>10987</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2005</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>2005</None>
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     <infoTable>
         <nameOfIssuer>JFROG LTD</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>M6191J100</cusip>
         <value>2770</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>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>MONDAY COM LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M7S64H106</cusip>
         <value>7192</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>42</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>19569</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>27</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ELASTIC N V</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>N14506104</cusip>
         <value>2565</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>40</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FERRARI N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N3167Y103</cusip>
         <value>19187</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>59</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
         <titleOfClass>SHS - A -</titleOfClass>
         <cusip>N53745100</cusip>
         <value>7346</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>80</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
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         <nameOfIssuer>ABRDN EMRG MKTS EQTY INCM FD</nameOfIssuer>
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             <None>5100</None>
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             <sshPrnamt>12756</sshPrnamt>
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         <cusip>00326W106</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>00486H105</cusip>
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             <sshPrnamt>1953</sshPrnamt>
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         <nameOfIssuer>CUBESMART</nameOfIssuer>
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         <nameOfIssuer>CUE BIOPHARMA INC</nameOfIssuer>
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         <nameOfIssuer>CULLEN FROST BANKERS INC</nameOfIssuer>
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         <nameOfIssuer>NXG NEXTGEN INFRASTR INCM FD</nameOfIssuer>
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         <nameOfIssuer>DMC GLOBAL INC</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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     <infoTable>
         <nameOfIssuer>DAVIS FUNDAMENTAL ETF TR</nameOfIssuer>
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         <value>401833</value>
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     <infoTable>
         <nameOfIssuer>DAVIS FUNDAMENTAL ETF TR</nameOfIssuer>
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         <nameOfIssuer>DAVIS FUNDAMENTAL ETF TR</nameOfIssuer>
         <titleOfClass>SELECT WRLD WI</titleOfClass>
         <cusip>23908L306</cusip>
         <value>5020786</value>
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         <titleOfClass>COM</titleOfClass>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>253798102</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>US CORE EQT MKT</titleOfClass>
         <cusip>25434V104</cusip>
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         <cusip>25434V401</cusip>
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         <titleOfClass>US SMALL CAP ETF</titleOfClass>
         <cusip>25434V500</cusip>
         <value>947163</value>
         <shrsOrPrnAmt>
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         <cusip>25434V609</cusip>
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         <shrsOrPrnAmt>
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         <titleOfClass>US CORE EQUITY 2</titleOfClass>
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         <cusip>25434V724</cusip>
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     <infoTable>
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         <titleOfClass>INTL CORE EQUITY</titleOfClass>
         <cusip>25434V799</cusip>
         <value>5471964</value>
         <shrsOrPrnAmt>
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         <titleOfClass>INTERNATNAL VAL</titleOfClass>
         <cusip>25434V807</cusip>
         <value>7628403</value>
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         <cusip>25434V849</cusip>
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     <infoTable>
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         <titleOfClass>WORLD EX US CORE</titleOfClass>
         <cusip>25434V880</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>254604101</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>254709108</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>18905</Sole>
             <Shared>0</Shared>
             <None>5786</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MORNINGSTAR DIVID L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>336917109</cusip>
         <value>50247711</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1477453</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1439652</Sole>
             <Shared>0</Shared>
             <None>37801</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>US EQTY OPPT ETF</titleOfClass>
         <cusip>336920103</cusip>
         <value>2568816</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29135</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>23323</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>1167456</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20762</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20762</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>766916</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49447</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>42147</Sole>
             <Shared>0</Shared>
             <None>7300</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR ENHANCED EQUITY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337318109</cusip>
         <value>190445</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10864</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4064</Sole>
             <Shared>0</Shared>
             <None>6800</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>DOW 30 EQL WGT</titleOfClass>
         <cusip>33733A201</cusip>
         <value>368097</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12221</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12221</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>WTR ETF</titleOfClass>
         <cusip>33733B100</cusip>
         <value>8702776</value>
         <shrsOrPrnAmt>
             <sshPrnamt>98250</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>98040</Sole>
             <Shared>0</Shared>
             <None>210</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MULTI CP VAL ALPHA</nameOfIssuer>
         <titleOfClass>SHS ISSUED FRST</titleOfClass>
         <cusip>33733C108</cusip>
         <value>7663620</value>
         <shrsOrPrnAmt>
             <sshPrnamt>108064</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>102062</Sole>
             <Shared>0</Shared>
             <None>6002</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>CAP STRENGTH ETF</titleOfClass>
         <cusip>33733E104</cusip>
         <value>66044777</value>
         <shrsOrPrnAmt>
             <sshPrnamt>879647</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>834611</Sole>
             <Shared>0</Shared>
             <None>45036</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NY ARCA BIOTECH</titleOfClass>
         <cusip>33733E203</cusip>
         <value>7917832</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51703</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>50710</Sole>
             <Shared>0</Shared>
             <None>993</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DJ INTERNT IDX</titleOfClass>
         <cusip>33733E302</cusip>
         <value>23248349</value>
         <shrsOrPrnAmt>
             <sshPrnamt>142637</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>135408</Sole>
             <Shared>0</Shared>
             <None>7229</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ 100 EX</titleOfClass>
         <cusip>33733E401</cusip>
         <value>720468</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8541</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8441</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAS CLNEDG GREEN</titleOfClass>
         <cusip>33733E500</cusip>
         <value>4880504</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95393</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>91364</Sole>
             <Shared>0</Shared>
             <None>4029</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAT GAS ETF</titleOfClass>
         <cusip>33733E807</cusip>
         <value>5148603</value>
         <shrsOrPrnAmt>
             <sshPrnamt>221157</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>220947</Sole>
             <Shared>0</Shared>
             <None>210</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>LUNT US FACTOR</titleOfClass>
         <cusip>33733E872</cusip>
         <value>473280</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18016</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>18016</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MULTI CAP GROWTH AL</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33733F101</cusip>
         <value>574330</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5443</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5443</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>1101139</value>
         <shrsOrPrnAmt>
             <sshPrnamt>111226</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>101624</Sole>
             <Shared>0</Shared>
             <None>9602</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337344105</cusip>
         <value>15872967</value>
         <shrsOrPrnAmt>
             <sshPrnamt>148480</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>148147</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>7084468</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48139</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>44918</Sole>
             <Shared>0</Shared>
             <None>3221</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR S&amp;P REIT INDEX FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33734G108</cusip>
         <value>1218979</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49525</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>48872</Sole>
             <Shared>0</Shared>
             <None>653</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>33734H106</cusip>
         <value>138770170</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3461460</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3403270</Sole>
             <Shared>0</Shared>
             <None>58190</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR LRGE CP CORE ALPHA</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33734K109</cusip>
         <value>1243076</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14797</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11928</Sole>
             <Shared>0</Shared>
             <None>2869</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CONSUMR DISCRE</titleOfClass>
         <cusip>33734X101</cusip>
         <value>6857947</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124217</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>116018</Sole>
             <Shared>0</Shared>
             <None>8199</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CONSUMR STAPLE</titleOfClass>
         <cusip>33734X119</cusip>
         <value>6915589</value>
         <shrsOrPrnAmt>
             <sshPrnamt>110379</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>107613</Sole>
             <Shared>0</Shared>
             <None>2766</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>ENERGY ALPHADX</titleOfClass>
         <cusip>33734X127</cusip>
         <value>4283500</value>
         <shrsOrPrnAmt>
             <sshPrnamt>273880</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>267074</Sole>
             <Shared>0</Shared>
             <None>6806</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>FINLS ALPHADEX</titleOfClass>
         <cusip>33734X135</cusip>
         <value>7009115</value>
         <shrsOrPrnAmt>
             <sshPrnamt>185918</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>182771</Sole>
             <Shared>0</Shared>
             <None>3147</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>HLTH CARE ALPH</titleOfClass>
         <cusip>33734X143</cusip>
         <value>7402278</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68341</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>63629</Sole>
             <Shared>0</Shared>
             <None>4712</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDLS PROD DUR</titleOfClass>
         <cusip>33734X150</cusip>
         <value>6676779</value>
         <shrsOrPrnAmt>
             <sshPrnamt>111108</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>102847</Sole>
             <Shared>0</Shared>
             <None>8261</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>MATERIALS ALPH</titleOfClass>
         <cusip>33734X168</cusip>
         <value>9886318</value>
         <shrsOrPrnAmt>
             <sshPrnamt>154019</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>147882</Sole>
             <Shared>0</Shared>
             <None>6137</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>TECH ALPHADEX</titleOfClass>
         <cusip>33734X176</cusip>
         <value>11559667</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100477</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>97378</Sole>
             <Shared>0</Shared>
             <None>3099</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>UTILITIES ALPH</titleOfClass>
         <cusip>33734X184</cusip>
         <value>863979</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27179</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>27179</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>4355145</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57347</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>50864</Sole>
             <Shared>0</Shared>
             <None>6483</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>DJ GLBL DIVID</titleOfClass>
         <cusip>33734X200</cusip>
         <value>2210421</value>
         <shrsOrPrnAmt>
             <sshPrnamt>103099</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>100049</Sole>
             <Shared>0</Shared>
             <None>3050</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>S NETWRK FUT VEH</titleOfClass>
         <cusip>33734X309</cusip>
         <value>215639</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3861</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3861</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>DJ INTL INTRNT</titleOfClass>
         <cusip>33734X770</cusip>
         <value>570285</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25145</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>25145</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDXX NAT RE ETF</titleOfClass>
         <cusip>33734X838</cusip>
         <value>981146</value>
         <shrsOrPrnAmt>
             <sshPrnamt>78054</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>77960</Sole>
             <Shared>0</Shared>
             <None>94</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ CYB ETF</titleOfClass>
         <cusip>33734X846</cusip>
         <value>24191595</value>
         <shrsOrPrnAmt>
             <sshPrnamt>532650</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>515921</Sole>
             <Shared>0</Shared>
             <None>16729</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INTL EQUITY OPP</titleOfClass>
         <cusip>33734X853</cusip>
         <value>394837</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10057</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7218</Sole>
             <Shared>0</Shared>
             <None>2839</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR SML CP CORE ALPHA F</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33734Y109</cusip>
         <value>4473075</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54377</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>53998</Sole>
             <Shared>0</Shared>
             <None>379</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MID CAP CORE ALPHAD</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735B108</cusip>
         <value>7619375</value>
         <shrsOrPrnAmt>
             <sshPrnamt>79106</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>49502</Sole>
             <Shared>0</Shared>
             <None>29604</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR LRG CP VL ALPHADEX</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735J101</cusip>
         <value>4247793</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63705</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>57990</Sole>
             <Shared>0</Shared>
             <None>5715</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TRUST LRGCP GWT ALPHAD</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735K108</cusip>
         <value>9062676</value>
         <shrsOrPrnAmt>
             <sshPrnamt>89460</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>88289</Sole>
             <Shared>0</Shared>
             <None>1171</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR STOXX EUROPEAN SELE</nameOfIssuer>
         <titleOfClass>COMMON SHS</titleOfClass>
         <cusip>33735T109</cusip>
         <value>328457</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28938</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>28938</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>59015</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3378</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3378</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>476704</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11831</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11667</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>8632588</value>
         <shrsOrPrnAmt>
             <sshPrnamt>82065</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>81935</Sole>
             <Shared>0</Shared>
             <None>130</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EUROPE ALPHADEX</titleOfClass>
         <cusip>33737J117</cusip>
         <value>682363</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19823</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19727</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>4497212</value>
         <shrsOrPrnAmt>
             <sshPrnamt>87580</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>86080</Sole>
             <Shared>0</Shared>
             <None>1500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EMERG MKT ALPH</titleOfClass>
         <cusip>33737J182</cusip>
         <value>693714</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32752</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>32674</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>676651</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11270</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11102</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>1497804</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41205</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>40998</Sole>
             <Shared>0</Shared>
             <None>207</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EX US SML CP</titleOfClass>
         <cusip>33737J406</cusip>
         <value>245924</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6409</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6319</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>4836198</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>66886</Sole>
             <Shared>0</Shared>
             <None>489</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CP GR ALPH</titleOfClass>
         <cusip>33737M102</cusip>
         <value>2043035</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31538</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>31472</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>2384318</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52173</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>52086</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>565745</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9397</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9397</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>944900</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20510</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20510</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR ENERGY INFRASTRCTR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738C103</cusip>
         <value>579019</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39389</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>39389</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>9066511</value>
         <shrsOrPrnAmt>
             <sshPrnamt>335785</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>332364</Sole>
             <Shared>0</Shared>
             <None>3421</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SENIOR LN FD</titleOfClass>
         <cusip>33738D309</cusip>
         <value>22263497</value>
         <shrsOrPrnAmt>
             <sshPrnamt>491466</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>489179</Sole>
             <Shared>0</Shared>
             <None>2287</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR TA HIYL</titleOfClass>
         <cusip>33738D408</cusip>
         <value>7014653</value>
         <shrsOrPrnAmt>
             <sshPrnamt>177000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>176828</Sole>
             <Shared>0</Shared>
             <None>172</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>LIMITED DURATION</titleOfClass>
         <cusip>33738D804</cusip>
         <value>24772853</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1330426</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1329844</Sole>
             <Shared>0</Shared>
             <None>582</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>CBOE VEST RISING</titleOfClass>
         <cusip>33738D879</cusip>
         <value>6875023</value>
         <shrsOrPrnAmt>
             <sshPrnamt>312928</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>304677</Sole>
             <Shared>0</Shared>
             <None>8251</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR HIGH INCOME LONG /</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738E109</cusip>
         <value>753510</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65869</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>65444</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>619661</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42559</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>42559</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>17826362</value>
         <shrsOrPrnAmt>
             <sshPrnamt>303845</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>296055</Sole>
             <Shared>0</Shared>
             <None>7790</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>BUYWRIT INCM ETF</titleOfClass>
         <cusip>33738R308</cusip>
         <value>1692322</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80510</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>79600</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>51613529</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1095812</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1038820</Sole>
             <Shared>0</Shared>
             <None>56992</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DORSEY WRT 5 ETF</titleOfClass>
         <cusip>33738R605</cusip>
         <value>19224459</value>
         <shrsOrPrnAmt>
             <sshPrnamt>409811</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>391895</Sole>
             <Shared>0</Shared>
             <None>17916</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>S&amp;P INTL DIVID</titleOfClass>
         <cusip>33738R688</cusip>
         <value>1233646</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80211</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>76290</Sole>
             <Shared>0</Shared>
             <None>3921</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>RBA INDL ETF</titleOfClass>
         <cusip>33738R704</cusip>
         <value>3030797</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56063</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>55520</Sole>
             <Shared>0</Shared>
             <None>543</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ ARTFCIAL</titleOfClass>
         <cusip>33738R720</cusip>
         <value>1917658</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41987</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>40322</Sole>
             <Shared>0</Shared>
             <None>1665</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ SEMCNDTR</titleOfClass>
         <cusip>33738R811</cusip>
         <value>3785532</value>
         <shrsOrPrnAmt>
             <sshPrnamt>53175</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>49418</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>1284973</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48811</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>44327</Sole>
             <Shared>0</Shared>
             <None>4484</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ FOD BVRG</titleOfClass>
         <cusip>33738R852</cusip>
         <value>4066937</value>
         <shrsOrPrnAmt>
             <sshPrnamt>155108</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>136241</Sole>
             <Shared>0</Shared>
             <None>18867</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ BK ETF</titleOfClass>
         <cusip>33738R860</cusip>
         <value>236168</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11128</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9628</Sole>
             <Shared>0</Shared>
             <None>1500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DORSEY WRIGHT</titleOfClass>
         <cusip>33738R886</cusip>
         <value>1031793</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57066</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>57066</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>266191</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34525</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>34525</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>36732716</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2300105</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2275588</Sole>
             <Shared>0</Shared>
             <None>24517</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
         <titleOfClass>FST TR GLB FD</titleOfClass>
         <cusip>33739H101</cusip>
         <value>29996800</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1317369</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1258414</Sole>
             <Shared>0</Shared>
             <None>58955</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>MANAGD MUN ETF</titleOfClass>
         <cusip>33739N108</cusip>
         <value>10587290</value>
         <shrsOrPrnAmt>
             <sshPrnamt>208903</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>208903</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>901714</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17081</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16031</Sole>
             <Shared>0</Shared>
             <None>1050</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>MUNI HI INCM ETF</titleOfClass>
         <cusip>33739P301</cusip>
         <value>202532</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4300</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>211387</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3699</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3699</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>2753612</value>
         <shrsOrPrnAmt>
             <sshPrnamt>139494</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>136720</Sole>
             <Shared>0</Shared>
             <None>2774</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>INSTL PFD SECS</titleOfClass>
         <cusip>33739P855</cusip>
         <value>4624504</value>
         <shrsOrPrnAmt>
             <sshPrnamt>274449</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>273046</Sole>
             <Shared>0</Shared>
             <None>1403</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>CALIF MUN INCM</titleOfClass>
         <cusip>33739P863</cusip>
         <value>642847</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13122</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12506</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>451992</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>52789081</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1107374</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1079403</Sole>
             <Shared>0</Shared>
             <None>27971</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR ENH NEW</titleOfClass>
         <cusip>33739Q408</cusip>
         <value>85289723</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1435601</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1414426</Sole>
             <Shared>0</Shared>
             <None>21175</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FT CBOE VEST S&amp;P</titleOfClass>
         <cusip>33739Q705</cusip>
         <value>10675685</value>
         <shrsOrPrnAmt>
             <sshPrnamt>202010</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>202010</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>3702954</value>
         <shrsOrPrnAmt>
             <sshPrnamt>183952</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>183933</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>498177</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38014</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>35846</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>2627470</value>
         <shrsOrPrnAmt>
             <sshPrnamt>114837</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>106946</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>28488346</value>
         <shrsOrPrnAmt>
             <sshPrnamt>644951</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>622251</Sole>
             <Shared>0</Shared>
             <None>22700</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>TCW UNCONSTRAI</titleOfClass>
         <cusip>33740F888</cusip>
         <value>5426516</value>
         <shrsOrPrnAmt>
             <sshPrnamt>224513</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>224408</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>899079</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44999</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>43999</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>529380</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18799</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17092</Sole>
             <Shared>0</Shared>
             <None>1707</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR HIGH YIELD OPPRT 20</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33741Q107</cusip>
         <value>267142</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19471</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19471</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>21439158</value>
         <shrsOrPrnAmt>
             <sshPrnamt>757296</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>710588</Sole>
             <Shared>0</Shared>
             <None>46708</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST WATCH RESTAURANT GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33748L101</cusip>
         <value>582525</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34469</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>18969</Sole>
             <Shared>0</Shared>
             <None>15500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTCASH HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33768G107</cusip>
         <value>362028</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3879</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3879</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>23787213</value>
         <shrsOrPrnAmt>
             <sshPrnamt>188562</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>182492</Sole>
             <Shared>0</Shared>
             <None>6070</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337932107</cusip>
         <value>5815108</value>
         <shrsOrPrnAmt>
             <sshPrnamt>149565</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>141520</Sole>
             <Shared>0</Shared>
             <None>8045</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVE BELOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33829M101</cusip>
         <value>7789895</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39635</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>39227</Sole>
             <Shared>0</Shared>
             <None>408</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVE9 INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338307101</cusip>
         <value>2800269</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33963</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>33704</Sole>
             <Shared>0</Shared>
             <None>259</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLAHERTY &amp; CRUMRINE PFD SECS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338478100</cusip>
         <value>193638</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14093</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8925</Sole>
             <Shared>0</Shared>
             <None>5168</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLAHERTY &amp; CRUMRINE PFD INCO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33848E106</cusip>
         <value>74093</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>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>339041105</cusip>
         <value>5325142</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21209</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21160</Sole>
             <Shared>0</Shared>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN ARIZONA QLTY MUN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>115445</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>NUVEEN SELECT TAX-FREE INCOM</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>67062F100</cusip>
         <value>782131</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN N Y MUN VALUE FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>387294</value>
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     <infoTable>
         <nameOfIssuer>NUVEEN N Y SELECT TAX FREE I</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>67063V104</cusip>
         <value>183698</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>1</otherManager>
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             <Sole>15462</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN NEW YORK AMT QLT MUNI</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670656107</cusip>
         <value>668750</value>
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             <sshPrnamt>64611</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>63986</Sole>
             <Shared>0</Shared>
             <None>625</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670657105</cusip>
         <value>5744780</value>
         <shrsOrPrnAmt>
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             <None>21999</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>364332</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>33672</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
         <value>392682389</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Shared>0</Shared>
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     <infoTable>
         <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066V101</cusip>
         <value>3036703</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Shared>0</Shared>
             <None>24167</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>67066X107</cusip>
         <value>127238</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN CA QUALTY MUN INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066Y105</cusip>
         <value>470173</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN SR INCOME FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67067Y104</cusip>
         <value>132845</value>
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             <sshPrnamt>29006</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN MUN HIGH INCOME OPPOR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670682103</cusip>
         <value>2495894</value>
         <shrsOrPrnAmt>
             <sshPrnamt>236130</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>3000</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN NASDAQ 100 DYNAMIC OV</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>670699107</cusip>
         <value>672062</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26958</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>3432</None>
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         <nameOfIssuer>NUVEEN S&amp;P 500 BUY-WRITE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>6706ER101</cusip>
         <value>3217269</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>206314</Sole>
             <Shared>0</Shared>
             <None>34321</None>
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         <nameOfIssuer>NUVASIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670704105</cusip>
         <value>2516341</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>59873</None>
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     <infoTable>
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         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>67070X101</cusip>
         <value>2370776</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>6720</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN REAL ESTATE INCOME FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67071B108</cusip>
         <value>114214</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Shared>0</Shared>
             <None>1100</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>10775</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME SECS FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072C105</cusip>
         <value>407957</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>55517</Sole>
             <Shared>0</Shared>
             <None>8426</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN FLOATING RATE INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072T108</cusip>
         <value>106157</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12722</Sole>
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             <None>733</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME OPPORTUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67073B106</cusip>
         <value>1347920</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>23235</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN CR STRATEGIES INCOME</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67073D102</cusip>
         <value>2549117</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>484249</Sole>
             <Shared>0</Shared>
             <None>20522</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67074C103</cusip>
         <value>699585</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN SHORT DURATION CR OPP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67074X107</cusip>
         <value>146592</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12692</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN MULTI ASSET INCOME FU</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670750108</cusip>
         <value>377643</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32388</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>31202</Sole>
             <Shared>0</Shared>
             <None>1186</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME TERM FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67075A106</cusip>
         <value>4144552</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>246047</Sole>
             <Shared>0</Shared>
             <None>800</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN DOW 30 DYNMC OVERWRT</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>67075F105</cusip>
         <value>2325950</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>5600</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN PREFERRED AND INCOME</nameOfIssuer>
         <titleOfClass>COM SHS BEN INT</titleOfClass>
         <cusip>67075T105</cusip>
         <value>376359</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>23348</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>67077M108</cusip>
         <value>10353543</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>140603</Sole>
             <Shared>0</Shared>
             <None>34724</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN CORPORATE INCOME 2023</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67079F101</cusip>
         <value>374385</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40041</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>40041</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN DYNAMIC MUN OPPORTUNI</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67079X102</cusip>
         <value>328704</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>32321</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN CORE PLUS IMPACT FUND</nameOfIssuer>
         <titleOfClass>COM BEN INT</titleOfClass>
         <cusip>67080D103</cusip>
         <value>675915</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67796</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Shared>0</Shared>
             <None>3000</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN VRIABL RAT PFD &amp; INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67080R102</cusip>
         <value>1050089</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>62811</Sole>
             <Shared>0</Shared>
             <None>5025</None>
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     <infoTable>
         <nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670837103</cusip>
         <value>8417708</value>
         <shrsOrPrnAmt>
             <sshPrnamt>234409</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>4155</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670928100</cusip>
         <value>7106574</value>
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             <sshPrnamt>816847</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>808364</Sole>
             <Shared>0</Shared>
             <None>8483</None>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG LRGVL</titleOfClass>
         <cusip>67092P300</cusip>
         <value>826058</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23840</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19894</Sole>
             <Shared>0</Shared>
             <None>3946</None>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG MIDCP</titleOfClass>
         <cusip>67092P409</cusip>
         <value>344633</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8830</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7855</Sole>
             <Shared>0</Shared>
             <None>975</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG MIDVL</titleOfClass>
         <cusip>67092P508</cusip>
         <value>455562</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9952</Sole>
             <Shared>0</Shared>
             <None>5423</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
         <cusip>67092P607</cusip>
         <value>344970</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9326</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8623</Sole>
             <Shared>0</Shared>
             <None>703</None>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG EMRGN</titleOfClass>
         <cusip>67092P888</cusip>
         <value>237952</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8713</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8713</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN PENNSYLVANIA QLT MUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670972108</cusip>
         <value>340251</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30272</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>29772</Sole>
             <Shared>0</Shared>
             <None>500</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>O-I GLASS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67098H104</cusip>
         <value>5125424</value>
         <shrsOrPrnAmt>
             <sshPrnamt>240291</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>40778</Sole>
             <Shared>0</Shared>
             <None>199513</None>
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         <nameOfIssuer>OFS CAP CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103B100</cusip>
         <value>119962</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12130</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12130</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103H107</cusip>
         <value>26532758</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27774</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>26045</Sole>
             <Shared>0</Shared>
             <None>1729</None>
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     <infoTable>
         <nameOfIssuer>OAKTREE SPECIALTY LENDING CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67401P405</cusip>
         <value>895702</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46099</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>46099</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CHORD ENERGY CORPORATION</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>674215207</cusip>
         <value>3174896</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20643</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>19537</Sole>
             <Shared>0</Shared>
             <None>1106</None>
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     <infoTable>
         <nameOfIssuer>OATLY GROUP AB</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>67421J108</cusip>
         <value>59245</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>28600</Sole>
             <Shared>0</Shared>
             <None>300</None>
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         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>674599105</cusip>
         <value>12016633</value>
         <shrsOrPrnAmt>
             <sshPrnamt>204361</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>197235</Sole>
             <Shared>0</Shared>
             <None>7126</None>
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     <infoTable>
         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>*W EXP 08/03/202</titleOfClass>
         <cusip>674599162</cusip>
         <value>2556578</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68504</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>64279</Sole>
             <Shared>0</Shared>
             <None>4225</None>
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     <infoTable>
         <nameOfIssuer>OCEANEERING INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>675232102</cusip>
         <value>395974</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21175</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>20475</Sole>
             <Shared>0</Shared>
             <None>700</None>
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     <infoTable>
         <nameOfIssuer>OCEANFIRST FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>675234108</cusip>
         <value>742541</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47538</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>47068</Sole>
             <Shared>0</Shared>
             <None>470</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>OFFICE PPTYS INCOME TR</nameOfIssuer>
         <titleOfClass>COM SHS BEN INT</titleOfClass>
         <cusip>67623C109</cusip>
         <value>85243</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11070</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>11070</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OKTA INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>679295105</cusip>
         <value>1145802</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16522</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>16202</Sole>
             <Shared>0</Shared>
             <None>320</None>
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     <infoTable>
         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>679580100</cusip>
         <value>14493122</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39195</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>37968</Sole>
             <Shared>0</Shared>
             <None>1227</None>
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         <nameOfIssuer>OLD NATL BANCORP IND</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>680033107</cusip>
         <value>1298503</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Shared>0</Shared>
             <None>9674</None>
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         <nameOfIssuer>OLD REP INTL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>680223104</cusip>
         <value>946176</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37591</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1726</None>
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         <nameOfIssuer>OLIN CORP</nameOfIssuer>
         <titleOfClass>COM PAR $1</titleOfClass>
         <cusip>680665205</cusip>
         <value>7750656</value>
         <shrsOrPrnAmt>
             <sshPrnamt>150821</sshPrnamt>
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         <otherManager>1</otherManager>
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             <None>62544</None>
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         <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>681116109</cusip>
         <value>3051057</value>
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         <cusip>68134L109</cusip>
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             <None>1907</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>681919106</cusip>
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             <None>2282</None>
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         <nameOfIssuer>OMEGA HEALTHCARE INVS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>681936100</cusip>
         <value>10460828</value>
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         <otherManager>1</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>682095104</cusip>
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             <Shared>0</Shared>
             <None>170</None>
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         <nameOfIssuer>OMNICELL COM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68213N109</cusip>
         <value>1482812</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>OMEROS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682143102</cusip>
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             <None>2549</None>
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         <nameOfIssuer>ON SEMICONDUCTOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682189105</cusip>
         <value>11457993</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>115</None>
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         <nameOfIssuer>OMNIAB INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68218J103</cusip>
         <value>56805</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11294</sshPrnamt>
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             <None>606</None>
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         <nameOfIssuer>ONE GAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68235P108</cusip>
         <value>954540</value>
         <shrsOrPrnAmt>
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             <None>3515</None>
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         <cusip>68236H204</cusip>
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         <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <None>25172</None>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>683344105</cusip>
         <value>1851086</value>
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         <titleOfClass>COM</titleOfClass>
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             <None>0</None>
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         <nameOfIssuer>OPEN TEXT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>683715106</cusip>
         <value>955614</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>22804</Sole>
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         <shrsOrPrnAmt>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <shrsOrPrnAmt>
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         <shrsOrPrnAmt>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LCAP VA ETF</titleOfClass>
         <cusip>808524409</cusip>
         <value>377852</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5632</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4555</Sole>
             <Shared>0</Shared>
             <None>1077</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US MID-CAP ETF</titleOfClass>
         <cusip>808524508</cusip>
         <value>960790</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13526</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13335</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>3397819</value>
         <shrsOrPrnAmt>
             <sshPrnamt>77574</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>77394</Sole>
             <Shared>0</Shared>
             <None>180</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTERNL DIVID</titleOfClass>
         <cusip>808524672</cusip>
         <value>578689</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24173</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>24105</Sole>
             <Shared>0</Shared>
             <None>68</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
         <cusip>808524706</cusip>
         <value>10372899</value>
         <shrsOrPrnAmt>
             <sshPrnamt>421148</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>421148</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SCHWB FDT EMK LG</titleOfClass>
         <cusip>808524730</cusip>
         <value>938135</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35044</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>34754</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>860791</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26658</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>26658</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>3889241</value>
         <shrsOrPrnAmt>
             <sshPrnamt>77091</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>77091</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>65594858</value>
         <shrsOrPrnAmt>
             <sshPrnamt>903260</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>810966</Sole>
             <Shared>0</Shared>
             <None>92294</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>434931</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12201</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10978</Sole>
             <Shared>0</Shared>
             <None>1223</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US REIT ETF</titleOfClass>
         <cusip>808524847</cusip>
         <value>124445</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6372</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6372</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>134113389</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2721449</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2623846</Sole>
             <Shared>0</Shared>
             <None>97603</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>106649906</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2219091</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2126117</Sole>
             <Shared>0</Shared>
             <None>92974</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US TIPS ETF</titleOfClass>
         <cusip>808524870</cusip>
         <value>7649710</value>
         <shrsOrPrnAmt>
             <sshPrnamt>145906</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>143832</Sole>
             <Shared>0</Shared>
             <None>2074</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL SCEQT ETF</titleOfClass>
         <cusip>808524888</cusip>
         <value>333016</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9861</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9601</Sole>
             <Shared>0</Shared>
             <None>260</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MATIV HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808541106</cusip>
         <value>595519</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39387</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>37226</Sole>
             <Shared>0</Shared>
             <None>2161</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCIENCE 37 HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808644108</cusip>
         <value>6375</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>30000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCOTTS MIRACLE-GRO CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>810186106</cusip>
         <value>13033583</value>
         <shrsOrPrnAmt>
             <sshPrnamt>207905</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>204348</Sole>
             <Shared>0</Shared>
             <None>3557</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCRIPPS E W CO OHIO</nameOfIssuer>
         <titleOfClass>CL A NEW</titleOfClass>
         <cusip>811054402</cusip>
         <value>80290</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8775</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8744</Sole>
             <Shared>0</Shared>
             <None>31</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>9452466</value>
         <shrsOrPrnAmt>
             <sshPrnamt>162867</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>161174</Sole>
             <Shared>0</Shared>
             <None>1693</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEACOAST BKG CORP FLA</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>811707801</cusip>
         <value>1164652</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52699</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>52684</Sole>
             <Shared>0</Shared>
             <None>15</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81181C104</cusip>
         <value>3424993</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17796</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16530</Sole>
             <Shared>0</Shared>
             <None>1266</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEABRIDGE GOLD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>811916105</cusip>
         <value>526814</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43719</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>41265</Sole>
             <Shared>0</Shared>
             <None>2454</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81211K100</cusip>
         <value>2230545</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55763</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>54799</Sole>
             <Shared>0</Shared>
             <None>964</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAWORLD ENTMT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81282V100</cusip>
         <value>1271259</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22697</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21925</Sole>
             <Shared>0</Shared>
             <None>772</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>7457034</value>
         <shrsOrPrnAmt>
             <sshPrnamt>89981</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>87315</Sole>
             <Shared>0</Shared>
             <None>2666</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>86073588</value>
         <shrsOrPrnAmt>
             <sshPrnamt>648463</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>628727</Sole>
             <Shared>0</Shared>
             <None>19736</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>33679288</value>
         <shrsOrPrnAmt>
             <sshPrnamt>454085</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>425877</Sole>
             <Shared>0</Shared>
             <None>28208</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>39967431</value>
         <shrsOrPrnAmt>
             <sshPrnamt>235351</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>228949</Sole>
             <Shared>0</Shared>
             <None>6402</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>71191953</value>
         <shrsOrPrnAmt>
             <sshPrnamt>877062</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>855227</Sole>
             <Shared>0</Shared>
             <None>21835</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>46143660</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1368813</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1322220</Sole>
             <Shared>0</Shared>
             <None>46593</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>40735129</value>
         <shrsOrPrnAmt>
             <sshPrnamt>379561</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>363834</Sole>
             <Shared>0</Shared>
             <None>15727</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>112300371</value>
         <shrsOrPrnAmt>
             <sshPrnamt>645872</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>622918</Sole>
             <Shared>0</Shared>
             <None>22954</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>37458407</value>
         <shrsOrPrnAmt>
             <sshPrnamt>575565</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>565034</Sole>
             <Shared>0</Shared>
             <None>10531</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>RL EST SEL SEC</titleOfClass>
         <cusip>81369Y860</cusip>
         <value>3240429</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85976</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>82890</Sole>
             <Shared>0</Shared>
             <None>3086</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>32936792</value>
         <shrsOrPrnAmt>
             <sshPrnamt>503305</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>480447</Sole>
             <Shared>0</Shared>
             <None>22858</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEELOS THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81577F109</cusip>
         <value>22708</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19002</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17002</Sole>
             <Shared>0</Shared>
             <None>2000</None>
         </votingAuthority>
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             <Sole>135272</Sole>
             <Shared>0</Shared>
             <None>631</None>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>HIGH YLD MUNIETF</titleOfClass>
         <cusip>92189H409</cusip>
         <value>2435262</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47433</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>47433</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>OIL SERVICES ETF</titleOfClass>
         <cusip>92189H607</cusip>
         <value>3522809</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12249</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>12205</Sole>
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             <None>44</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>RARE EARTH/STRTG</titleOfClass>
         <cusip>92189H805</cusip>
         <value>1101534</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13246</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13246</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
         <titleOfClass>DIV APP ETF</titleOfClass>
         <cusip>921908844</cusip>
         <value>125012814</value>
         <shrsOrPrnAmt>
             <sshPrnamt>769623</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>747657</Sole>
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             <None>21966</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
         <titleOfClass>VG TL INTL STK F</titleOfClass>
         <cusip>921909768</cusip>
         <value>33443025</value>
         <shrsOrPrnAmt>
             <sshPrnamt>596346</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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             <None>38843</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>EXTENDED DUR</titleOfClass>
         <cusip>921910709</cusip>
         <value>2035498</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23378</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>23041</Sole>
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             <None>337</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ESG INTL STK ETF</titleOfClass>
         <cusip>921910725</cusip>
         <value>371059</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6987</sshPrnamt>
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         <otherManager>1</otherManager>
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             <Sole>4786</Sole>
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             <None>2201</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ESG US STK ETF</titleOfClass>
         <cusip>921910733</cusip>
         <value>843075</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10760</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7266</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA GRWTH IND</titleOfClass>
         <cusip>921910816</cusip>
         <value>8773651</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37277</sshPrnamt>
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         <otherManager>1</otherManager>
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             <None>1489</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA CAP VAL ETF</titleOfClass>
         <cusip>921910840</cusip>
         <value>20858523</value>
         <shrsOrPrnAmt>
             <sshPrnamt>201012</sshPrnamt>
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         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>199821</Sole>
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             <None>1191</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA CAP INDEX</titleOfClass>
         <cusip>921910873</cusip>
         <value>1639219</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10477</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>10477</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>500 GRTH IDX F</titleOfClass>
         <cusip>921932505</cusip>
         <value>5405817</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21273</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>21084</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>500 VAL IDX FD</titleOfClass>
         <cusip>921932703</cusip>
         <value>6898800</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44308</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>42370</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>SMLCP 600 VAL</titleOfClass>
         <cusip>921932778</cusip>
         <value>206825</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2519</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>1519</Sole>
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             <None>1000</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>SMLCP 600 GRTH</titleOfClass>
         <cusip>921932794</cusip>
         <value>1138076</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11483</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11425</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>SMLLCP 600 IDX</titleOfClass>
         <cusip>921932828</cusip>
         <value>490306</value>
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             <sshPrnamt>5336</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>5283</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>MIDCP 400 VAL</titleOfClass>
         <cusip>921932844</cusip>
         <value>793989</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9645</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8845</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>MIDCP 400 GRTH</titleOfClass>
         <cusip>921932869</cusip>
         <value>1154391</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12346</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>11146</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>MIDCP 400 IDX</titleOfClass>
         <cusip>921932885</cusip>
         <value>4175659</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47153</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>43522</Sole>
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             <None>3631</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>LONG TERM BOND</titleOfClass>
         <cusip>921937793</cusip>
         <value>9763226</value>
         <shrsOrPrnAmt>
             <sshPrnamt>130315</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>128104</Sole>
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             <None>2211</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>INTERMED TERM</titleOfClass>
         <cusip>921937819</cusip>
         <value>27005659</value>
         <shrsOrPrnAmt>
             <sshPrnamt>358974</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>352677</Sole>
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             <None>6297</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>SHORT TRM BOND</titleOfClass>
         <cusip>921937827</cusip>
         <value>31194398</value>
         <shrsOrPrnAmt>
             <sshPrnamt>412785</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>403329</Sole>
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             <None>9456</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>20013152</value>
         <shrsOrPrnAmt>
             <sshPrnamt>275319</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>270524</Sole>
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             <None>4795</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
         <value>219572224</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4754700</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4606300</Sole>
             <Shared>0</Shared>
             <None>148400</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>102965607</value>
         <shrsOrPrnAmt>
             <sshPrnamt>970710</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>936219</Sole>
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             <None>34491</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL HIGH ETF</titleOfClass>
         <cusip>921946794</cusip>
         <value>12745639</value>
         <shrsOrPrnAmt>
             <sshPrnamt>201673</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>198871</Sole>
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             <None>2802</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL DVD ETF</titleOfClass>
         <cusip>921946810</cusip>
         <value>4201216</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55949</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>55102</Sole>
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             <None>847</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>EM MK GOV BD ETF</titleOfClass>
         <cusip>921946885</cusip>
         <value>2035901</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32694</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>32443</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
         <titleOfClass>STRM INFPROIDX</titleOfClass>
         <cusip>922020805</cusip>
         <value>62303830</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1313867</sshPrnamt>
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         <votingAuthority>
             <Sole>1277724</Sole>
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             <None>36143</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>VANGUARD ULTRA</titleOfClass>
         <cusip>92203C303</cusip>
         <value>8677476</value>
         <shrsOrPrnAmt>
             <sshPrnamt>176515</sshPrnamt>
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         <otherManager>1</otherManager>
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             <Sole>160349</Sole>
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             <None>16166</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
         <titleOfClass>TOTAL INT BD ETF</titleOfClass>
         <cusip>92203J407</cusip>
         <value>21725748</value>
         <shrsOrPrnAmt>
             <sshPrnamt>444469</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>436081</Sole>
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             <None>8388</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>GLB EX US ETF</titleOfClass>
         <cusip>922042676</cusip>
         <value>115480</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2873</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2828</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE SMCAP ETF</titleOfClass>
         <cusip>922042718</cusip>
         <value>6211857</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56227</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>51476</Sole>
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             <None>4751</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>TT WRLD ST ETF</titleOfClass>
         <cusip>922042742</cusip>
         <value>11060235</value>
         <shrsOrPrnAmt>
             <sshPrnamt>114042</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>112394</Sole>
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             <None>1648</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>ALLWRLD EX US</titleOfClass>
         <cusip>922042775</cusip>
         <value>45101602</value>
         <shrsOrPrnAmt>
             <sshPrnamt>828920</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>656881</Sole>
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             <None>172039</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>116135715</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2854859</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2759207</Sole>
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             <None>95652</None>
         </votingAuthority>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>EVEREST RE GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <cusip>G3421J106</cusip>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G35947202</cusip>
         <value>429007</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>G4388N106</cusip>
         <value>69456</value>
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         <cusip>G45667105</cusip>
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         <cusip>G46188101</cusip>
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         <cusip>G4705A100</cusip>
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         <cusip>G4740B105</cusip>
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         <cusip>G4863A108</cusip>
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         <cusip>G491BT108</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>G51502105</cusip>
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         <cusip>G54950103</cusip>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>G59665102</cusip>
         <value>70560</value>
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         <cusip>G6095L109</cusip>
         <value>13491971</value>
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         <cusip>G6564A105</cusip>
         <value>244682</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>G65773106</cusip>
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         <cusip>G66721104</cusip>
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         <cusip>G6700G107</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>DIAMONDBACK ENERGY INC</nameOfIssuer>
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         <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
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         <nameOfIssuer>DOW INC</nameOfIssuer>
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         <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
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         <nameOfIssuer>EOG RES INC</nameOfIssuer>
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         <nameOfIssuer>EATON VANCE MUN BD FD</nameOfIssuer>
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         <nameOfIssuer>EDISON INTL</nameOfIssuer>
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         <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
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         <nameOfIssuer>ENCOMPASS HEALTH CORP</nameOfIssuer>
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         <nameOfIssuer>ENTERPRISE FINL SVCS CORP</nameOfIssuer>
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         <nameOfIssuer>ETSY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29786A106</cusip>
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         <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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         <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
         <cusip>311900104</cusip>
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         <nameOfIssuer>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>114292</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>345370860</cusip>
         <value>1800</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>FORTINET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959E109</cusip>
         <value>1890</value>
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             <sshPrnamt>25</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>FORWARD AIR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>349853101</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
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         <cusip>35671D857</cusip>
         <value>2240</value>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>464288661</cusip>
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         <cusip>47233W109</cusip>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
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         <value>38590</value>
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         <nameOfIssuer>SIXTH STREET SPECIALTY LENDI</nameOfIssuer>
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         <cusip>00123Q104</cusip>
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         <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
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         <cusip>00162Q387</cusip>
         <value>29321</value>
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         <value>3921</value>
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         <cusip>00162Q858</cusip>
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         <value>6754</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
         <cusip>05945F103</cusip>
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             <sshPrnamt>1257</sshPrnamt>
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         <cusip>05946K101</cusip>
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         <cusip>060505682</cusip>
         <value>11719</value>
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         <nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>063671101</cusip>
         <value>178902</value>
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         <nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
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         <nameOfIssuer>BANK OZK LITTLE ROCK ARK</nameOfIssuer>
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         <nameOfIssuer>BANNER CORP</nameOfIssuer>
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         <value>1223</value>
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         <nameOfIssuer>BARRICK GOLD CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>067901108</cusip>
         <value>79147</value>
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             <sshPrnamt>4675</sshPrnamt>
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             <None>3350</None>
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             <sshPrnamt>1334</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>250</sshPrnamt>
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         <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>075887109</cusip>
         <value>2151035</value>
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         <nameOfIssuer>BEIGENE LTD</nameOfIssuer>
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         <cusip>07725L102</cusip>
         <value>55811</value>
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         <value>89596</value>
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         <nameOfIssuer>BENTLEY SYS INC</nameOfIssuer>
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         <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
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         <value>1035620</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>08579W103</cusip>
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         <nameOfIssuer>BEST BUY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>086516101</cusip>
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         <cusip>09225M101</cusip>
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         <nameOfIssuer>BLACKROCK LTD DURATION INCOM</nameOfIssuer>
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         <cusip>092501105</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>CBRE GROUP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>12504L109</cusip>
         <value>51574</value>
         <shrsOrPrnAmt>
             <sshPrnamt>639</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>639</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CDW CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12514G108</cusip>
         <value>70131</value>
         <shrsOrPrnAmt>
             <sshPrnamt>382</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>382</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CF INDS HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>125269100</cusip>
         <value>425836</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6126</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5951</Sole>
             <Shared>0</Shared>
             <None>175</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CGI INC</nameOfIssuer>
         <titleOfClass>CL A SUB VTG</titleOfClass>
         <cusip>12532H104</cusip>
         <value>6010</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>57</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>125523100</cusip>
         <value>383871</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1367</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1367</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CME GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12572Q105</cusip>
         <value>786193</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4242</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4230</Sole>
             <Shared>0</Shared>
             <None>12</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CMS ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>125896100</cusip>
         <value>13600</value>
         <shrsOrPrnAmt>
             <sshPrnamt>231</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>143</Sole>
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             <None>88</None>
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     <infoTable>
         <nameOfIssuer>CRA INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12618T105</cusip>
         <value>4182</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41</sshPrnamt>
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             <Sole>41</Sole>
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             <None>0</None>
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         <nameOfIssuer>CRH PLC</nameOfIssuer>
         <titleOfClass>ADR</titleOfClass>
         <cusip>12626K203</cusip>
         <value>724</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>13</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CSX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>126408103</cusip>
         <value>255347</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7488</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7259</Sole>
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             <None>229</None>
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     <infoTable>
         <nameOfIssuer>CTS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>126501105</cusip>
         <value>3155</value>
         <shrsOrPrnAmt>
             <sshPrnamt>74</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>74</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>126650100</cusip>
         <value>681995</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9864</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>102</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CABLE ONE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12685J105</cusip>
         <value>15112</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>23</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CABOT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>127055101</cusip>
         <value>50582</value>
         <shrsOrPrnAmt>
             <sshPrnamt>756</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>756</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>127097103</cusip>
         <value>167640</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6626</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6626</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CACTUS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>127203107</cusip>
         <value>50872</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1202</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1202</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CADENCE DESIGN SYSTEM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>127387108</cusip>
         <value>19699</value>
         <shrsOrPrnAmt>
             <sshPrnamt>84</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>84</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CAESARS ENTERTAINMENT INC NE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12769G100</cusip>
         <value>50003</value>
         <shrsOrPrnAmt>
             <sshPrnamt>981</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>CALAMOS GBL DYN INCOME FUND</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12811L107</cusip>
         <value>11089</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1842</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>CALAMOS STRATEGIC TOTAL RETU</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>128125101</cusip>
         <value>3983</value>
         <shrsOrPrnAmt>
             <sshPrnamt>270</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>270</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TOPGOLF CALLAWAY BRANDS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>131193104</cusip>
         <value>12585</value>
         <shrsOrPrnAmt>
             <sshPrnamt>634</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>634</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CAMBRIA ETF TR</nameOfIssuer>
         <titleOfClass>SHSHLD YIELD ETF</titleOfClass>
         <cusip>132061201</cusip>
         <value>2753</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45</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>CAMDEN PPTY TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>133131102</cusip>
         <value>44201</value>
         <shrsOrPrnAmt>
             <sshPrnamt>406</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>406</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CAMECO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>13321L108</cusip>
         <value>5733</value>
         <shrsOrPrnAmt>
             <sshPrnamt>183</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>183</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CAMPBELL SOUP CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>134429109</cusip>
         <value>5714</value>
         <shrsOrPrnAmt>
             <sshPrnamt>125</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>125</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>CANADIAN IMPERIAL BK COMM TO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>136069101</cusip>
         <value>182374</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4273</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4273</Sole>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>136375102</cusip>
         <value>467695</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3863</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3863</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CANADIAN NAT RES LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>136385101</cusip>
         <value>20466</value>
         <shrsOrPrnAmt>
             <sshPrnamt>364</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>364</Sole>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>13646K108</cusip>
         <value>273126</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3382</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3382</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CANNAE HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>13765N107</cusip>
         <value>9519</value>
         <shrsOrPrnAmt>
             <sshPrnamt>471</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>471</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CANOO INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>13803R102</cusip>
         <value>4315</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9000</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CAPITAL GROUP INTL FOCUS EQT</nameOfIssuer>
         <titleOfClass>SHS CREATION UNI</titleOfClass>
         <cusip>14019W109</cusip>
         <value>734272</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31219</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>31219</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CAPITAL GROUP GROWTH ETF</nameOfIssuer>
         <titleOfClass>SHS CREATION UNI</titleOfClass>
         <cusip>14020G101</cusip>
         <value>400165</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15861</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15461</Sole>
             <Shared>0</Shared>
             <None>400</None>
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     <infoTable>
         <nameOfIssuer>CAPITAL GROUP CORE EQUITY ET</nameOfIssuer>
         <titleOfClass>SHS CREATION UNI</titleOfClass>
         <cusip>14020V108</cusip>
         <value>378871</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14752</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14752</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CAPITAL GROUP DIVIDEND VALUE</nameOfIssuer>
         <titleOfClass>SHS CREATION UNI</titleOfClass>
         <cusip>14020W106</cusip>
         <value>392732</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14525</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14525</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CAPITAL GROUP GBL GROWTH EQT</nameOfIssuer>
         <titleOfClass>SHS CREATION UNI</titleOfClass>
         <cusip>14020X104</cusip>
         <value>436759</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17981</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>17981</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer>
         <titleOfClass>CORE PLUS INCM</titleOfClass>
         <cusip>14020Y102</cusip>
         <value>1373869</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61718</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>61718</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer>
         <titleOfClass>SHORT DURATION</titleOfClass>
         <cusip>14020Y409</cusip>
         <value>439765</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17517</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>CORPORATE OFFICE PPTYS TR</nameOfIssuer>
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         <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
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         <nameOfIssuer>DBX ETF TR</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>DT MIDSTREAM INC</nameOfIssuer>
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         <cusip>23345M107</cusip>
         <value>13533</value>
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         <nameOfIssuer>DANA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>235825205</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>303075105</cusip>
         <value>1014365</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2531</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2531</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>303250104</cusip>
         <value>137567</value>
         <shrsOrPrnAmt>
             <sshPrnamt>170</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>170</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FARFETCH LTD</nameOfIssuer>
         <titleOfClass>ORD SH CL A</titleOfClass>
         <cusip>30744W107</cusip>
         <value>1903</value>
         <shrsOrPrnAmt>
             <sshPrnamt>315</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>315</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FARMLAND PARTNERS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31154R109</cusip>
         <value>1673</value>
         <shrsOrPrnAmt>
             <sshPrnamt>137</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>137</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FASTENAL CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>311900104</cusip>
         <value>143734</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2437</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2437</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FEDERAL AGRIC MTG CORP</nameOfIssuer>
         <titleOfClass>CL C</titleOfClass>
         <cusip>313148306</cusip>
         <value>5462</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>38</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FEDERAL SIGNAL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>313855108</cusip>
         <value>1729</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>27</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FEDEX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31428X106</cusip>
         <value>380578</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1535</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1535</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
         <titleOfClass>HIGH DIVID ETF</titleOfClass>
         <cusip>316092840</cusip>
         <value>2241335</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56412</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>55892</Sole>
             <Shared>0</Shared>
             <None>520</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
         <titleOfClass>MSCI UTILS INDEX</titleOfClass>
         <cusip>316092865</cusip>
         <value>2072</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>49</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
         <titleOfClass>MSCI COMMNTN SVC</titleOfClass>
         <cusip>316092873</cusip>
         <value>21255</value>
         <shrsOrPrnAmt>
             <sshPrnamt>528</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>528</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31620M106</cusip>
         <value>118209</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2161</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1936</Sole>
             <Shared>0</Shared>
             <None>225</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>
         <titleOfClass>FNF GROUP COM</titleOfClass>
         <cusip>31620R303</cusip>
         <value>45782</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1272</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1272</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>316773100</cusip>
         <value>313707</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11969</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11751</Sole>
             <Shared>0</Shared>
             <None>218</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST AMERN FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31847R102</cusip>
         <value>8895</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>FIRST CTZNS BANCSHARES INC N</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>31946M103</cusip>
         <value>5133</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST FINL BANCORP OH</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>320209109</cusip>
         <value>1472</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>72</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST HORIZON CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>320517105</cusip>
         <value>6762</value>
         <shrsOrPrnAmt>
             <sshPrnamt>600</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>600</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST HAWAIIAN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32051X108</cusip>
         <value>143199</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7951</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7951</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32054K103</cusip>
         <value>25268</value>
         <shrsOrPrnAmt>
             <sshPrnamt>480</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>409</Sole>
             <Shared>0</Shared>
             <None>71</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST INTST BANCSYSTEM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32055Y201</cusip>
         <value>668</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>FIRST SOLAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>336433107</cusip>
         <value>27944</value>
         <shrsOrPrnAmt>
             <sshPrnamt>147</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>134</Sole>
             <Shared>0</Shared>
             <None>13</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MORNINGSTAR DIVID L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>336917109</cusip>
         <value>114849</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3377</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3377</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>US EQTY OPPT ETF</titleOfClass>
         <cusip>336920103</cusip>
         <value>13137</value>
         <shrsOrPrnAmt>
             <sshPrnamt>149</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>149</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>16924</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1091</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1091</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>CAP STRENGTH ETF</titleOfClass>
         <cusip>33733E104</cusip>
         <value>544868</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7258</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7258</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NY ARCA BIOTECH</titleOfClass>
         <cusip>33733E203</cusip>
         <value>25268</value>
         <shrsOrPrnAmt>
             <sshPrnamt>165</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>165</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DJ INTERNT IDX</titleOfClass>
         <cusip>33733E302</cusip>
         <value>234054</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1436</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1436</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337344105</cusip>
         <value>28007</value>
         <shrsOrPrnAmt>
             <sshPrnamt>262</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>262</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>11510374</value>
         <shrsOrPrnAmt>
             <sshPrnamt>287111</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>285375</Sole>
             <Shared>0</Shared>
             <None>1736</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>UTILITIES ALPH</titleOfClass>
         <cusip>33734X184</cusip>
         <value>19964</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>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CLOUD COMPUTING</titleOfClass>
         <cusip>33734X192</cusip>
         <value>6530</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>86</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>172698</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8055</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8055</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>31682</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 EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>GBL WND ENRG ETF</titleOfClass>
         <cusip>33736G106</cusip>
         <value>8712</value>
         <shrsOrPrnAmt>
             <sshPrnamt>499</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>499</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>19756</value>
         <shrsOrPrnAmt>
             <sshPrnamt>385</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>385</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EMERG MKT ALPH</titleOfClass>
         <cusip>33737J182</cusip>
         <value>22027</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>160460</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>127183</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>31605</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>36693</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1359</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1359</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>123222</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2721</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2721</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>89127</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2249</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2249</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR HIGH INCOME LONG /</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738E109</cusip>
         <value>20293</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1774</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1774</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASD TECH DIV</titleOfClass>
         <cusip>33738R118</cusip>
         <value>51269</value>
         <shrsOrPrnAmt>
             <sshPrnamt>874</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>874</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>11834</value>
         <shrsOrPrnAmt>
             <sshPrnamt>563</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>563</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>284666</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6044</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6044</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>8828</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>1282117</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80284</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>79846</Sole>
             <Shared>0</Shared>
             <None>438</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
         <titleOfClass>FST TR GLB FD</titleOfClass>
         <cusip>33739H101</cusip>
         <value>63505</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2789</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2789</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>22829</value>
         <shrsOrPrnAmt>
             <sshPrnamt>450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>450</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>3224781</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61087</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>61059</Sole>
             <Shared>0</Shared>
             <None>28</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FST LOW OPPT EFT</titleOfClass>
         <cusip>33739Q200</cusip>
         <value>106627</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2237</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2237</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>114840</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1933</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1933</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>29424</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1286</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>429</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>100929</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2285</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2285</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>11749</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>74481</value>
         <shrsOrPrnAmt>
             <sshPrnamt>798</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>798</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>510532</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4047</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3893</Sole>
             <Shared>0</Shared>
             <None>154</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337932107</cusip>
         <value>8981</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>FIVE BELOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33829M101</cusip>
         <value>94732</value>
         <shrsOrPrnAmt>
             <sshPrnamt>482</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>482</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVE9 INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338307101</cusip>
         <value>19046</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>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>339041105</cusip>
         <value>502</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>MORNSTAR UPSTR</titleOfClass>
         <cusip>33939L407</cusip>
         <value>475180</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11847</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11764</Sole>
             <Shared>0</Shared>
             <None>83</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>QLT DIV DEF IDX</titleOfClass>
         <cusip>33939L845</cusip>
         <value>10510</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>817011</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10900</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>94707</value>
         <shrsOrPrnAmt>
             <sshPrnamt>911</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>911</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>343412102</cusip>
         <value>12284</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>FORD MTR CO DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>345370860</cusip>
         <value>501195</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33125</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>32216</Sole>
             <Shared>0</Shared>
             <None>909</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORMFACTOR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>346375108</cusip>
         <value>49347</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1442</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1442</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>349553107</cusip>
         <value>16455</value>
         <shrsOrPrnAmt>
             <sshPrnamt>382</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>382</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTINET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959E109</cusip>
         <value>291856</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3861</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3861</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959J108</cusip>
         <value>114324</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1529</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1529</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORWARD AIR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>349853101</cusip>
         <value>743</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>FOUR CORNERS PPTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>35086T109</cusip>
         <value>1397</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>55</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
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         <value>5068</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>INGERSOLL RAND INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45687V106</cusip>
         <value>48562</value>
         <shrsOrPrnAmt>
             <sshPrnamt>743</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>743</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INGEVITY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45688C107</cusip>
         <value>1454</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>25</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INGREDION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>457187102</cusip>
         <value>23415</value>
         <shrsOrPrnAmt>
             <sshPrnamt>221</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>221</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INSIGHT ENTERPRISES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45765U103</cusip>
         <value>3219</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>22</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INSMED INC</nameOfIssuer>
         <titleOfClass>COM PAR $.01</titleOfClass>
         <cusip>457669307</cusip>
         <value>739</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>35</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INNOSPEC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45768S105</cusip>
         <value>4419</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>44</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INSPIRE MED SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>457730109</cusip>
         <value>12662</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>39</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INSPERITY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45778Q107</cusip>
         <value>64119</value>
         <shrsOrPrnAmt>
             <sshPrnamt>539</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>539</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INSTRUCTURE HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>457790103</cusip>
         <value>528</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21</sshPrnamt>
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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>INSULET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45784P101</cusip>
         <value>80159</value>
         <shrsOrPrnAmt>
             <sshPrnamt>278</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>278</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INTEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>458140100</cusip>
         <value>831978</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24881</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>24869</Sole>
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             <None>12</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INTEGER HLDGS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45826H109</cusip>
         <value>45368</value>
         <shrsOrPrnAmt>
             <sshPrnamt>512</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>512</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INTER PARFUMS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>458334109</cusip>
         <value>13523</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>100</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>45841N107</cusip>
         <value>229607</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2764</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2722</Sole>
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             <None>42</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INTERCEPT PHARMACEUTICALS IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45845P108</cusip>
         <value>88</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>8</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45866F104</cusip>
         <value>966210</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8536</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8257</Sole>
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             <None>279</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>459200101</cusip>
         <value>2037609</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15219</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14616</Sole>
             <Shared>0</Shared>
             <None>603</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>459506101</cusip>
         <value>53987</value>
         <shrsOrPrnAmt>
             <sshPrnamt>678</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>678</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>460146103</cusip>
         <value>411460</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12935</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12794</Sole>
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             <None>141</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INTERPUBLIC GROUP COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>460690100</cusip>
         <value>54474</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1412</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1412</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
         <titleOfClass>UNIT SER 1</titleOfClass>
         <cusip>46090E103</cusip>
         <value>7824425</value>
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             <sshPrnamt>21175</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18945</Sole>
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             <None>2230</None>
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     <infoTable>
         <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD</nameOfIssuer>
         <titleOfClass>OPTIMUM YIELD</titleOfClass>
         <cusip>46090F100</cusip>
         <value>497453</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36569</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>36343</Sole>
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             <None>226</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>INTUIT</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>461202103</cusip>
         <value>1087802</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2374</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2249</Sole>
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             <None>125</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>46120E602</cusip>
         <value>3176319</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9289</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9259</Sole>
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             <None>30</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO MUNICIPAL TRUST</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46131J103</cusip>
         <value>3423</value>
         <shrsOrPrnAmt>
             <sshPrnamt>363</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>363</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO TR INVT GRADE MUNS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46131M106</cusip>
         <value>3903</value>
         <shrsOrPrnAmt>
             <sshPrnamt>402</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>402</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO VALUE MUN INCOME TR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46132P108</cusip>
         <value>153660</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13000</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO QUALITY MUN INCOME T</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46133G107</cusip>
         <value>3900</value>
         <shrsOrPrnAmt>
             <sshPrnamt>408</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>408</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>AEROSPACE DEFN</titleOfClass>
         <cusip>46137V100</cusip>
         <value>454535</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5381</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5381</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>WATER RES ETF</titleOfClass>
         <cusip>46137V142</cusip>
         <value>532332</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9440</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>S&amp;P 500 TOP 50</titleOfClass>
         <cusip>46137V233</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>13</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 EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P500 QUALITY</titleOfClass>
         <cusip>46137V241</cusip>
         <value>6054</value>
         <shrsOrPrnAmt>
             <sshPrnamt>120</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>120</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>BUYBACK ACHIEV</titleOfClass>
         <cusip>46137V308</cusip>
         <value>17227</value>
         <shrsOrPrnAmt>
             <sshPrnamt>193</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>193</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
         <cusip>46137V357</cusip>
         <value>20828564</value>
         <shrsOrPrnAmt>
             <sshPrnamt>139182</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>8535</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P MDCP MOMNTUM</titleOfClass>
         <cusip>46137V464</cusip>
         <value>11562</value>
         <shrsOrPrnAmt>
             <sshPrnamt>145</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>145</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P MDCP QUALITY</titleOfClass>
         <cusip>46137V472</cusip>
         <value>31074</value>
         <shrsOrPrnAmt>
             <sshPrnamt>385</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>385</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>FINL PFD ETF</titleOfClass>
         <cusip>46137V621</cusip>
         <value>251777</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17545</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>17545</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>DYNMC SEMICNDT</titleOfClass>
         <cusip>46137V647</cusip>
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         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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         <cusip>46137V704</cusip>
         <value>391231</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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         <cusip>46137V753</cusip>
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         <shrsOrPrnAmt>
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             <None>0</None>
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         <cusip>46137V779</cusip>
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         <shrsOrPrnAmt>
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         <titleOfClass>DWA HEALTHCARE</titleOfClass>
         <cusip>46137V852</cusip>
         <value>16440</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
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         <value>11646</value>
         <shrsOrPrnAmt>
             <sshPrnamt>513</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>46138E123</cusip>
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         <shrsOrPrnAmt>
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             <None>0</None>
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         <cusip>46138E198</cusip>
         <value>124250</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
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         <cusip>46138E263</cusip>
         <value>194387</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3782</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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         <cusip>46138E354</cusip>
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         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
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         <cusip>46138E362</cusip>
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         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
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             <sshPrnamt>15741</sshPrnamt>
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         <cusip>46138E511</cusip>
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         <shrsOrPrnAmt>
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         <cusip>46138E537</cusip>
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             <None>0</None>
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     <infoTable>
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         <shrsOrPrnAmt>
             <sshPrnamt>2990</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 EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>SR LN ETF</titleOfClass>
         <cusip>46138G508</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>220</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <cusip>46138G664</cusip>
         <value>14176</value>
         <shrsOrPrnAmt>
             <sshPrnamt>125</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>SOLAR ETF</titleOfClass>
         <cusip>46138G706</cusip>
         <value>15213</value>
         <shrsOrPrnAmt>
             <sshPrnamt>213</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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     <infoTable>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>464287150</cusip>
         <value>924084</value>
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         <titleOfClass>SELECT DIVID ETF</titleOfClass>
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         <value>304211</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>TIPS BD ETF</titleOfClass>
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     <infoTable>
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         <otherManager>3</otherManager>
         <votingAuthority>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <None>0</None>
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         <value>103992</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <None>0</None>
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         <cusip>46434G863</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>46434V282</cusip>
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         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>199</Sole>
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             <None>0</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MSCI CHINA A</titleOfClass>
         <cusip>46434V514</cusip>
         <value>5982</value>
         <shrsOrPrnAmt>
             <sshPrnamt>205</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>205</Sole>
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             <None>0</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE TOTAL USD</titleOfClass>
         <cusip>46434V613</cusip>
         <value>142370</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3131</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3131</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <titleOfClass>CORE DIV GRWTH</titleOfClass>
         <cusip>46434V621</cusip>
         <value>769246</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11312</Sole>
             <Shared>0</Shared>
             <None>3616</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>46434VBD1</cusip>
         <value>22600</value>
         <shrsOrPrnAmt>
             <sshPrnamt>927</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>927</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS DEC24 ETF</titleOfClass>
         <cusip>46434VBG4</cusip>
         <value>4259</value>
         <shrsOrPrnAmt>
             <sshPrnamt>173</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>173</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ESG AWR MSCI USA</titleOfClass>
         <cusip>46435G425</cusip>
         <value>7140</value>
         <shrsOrPrnAmt>
             <sshPrnamt>73</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>73</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ESG AW MSCI EAFE</titleOfClass>
         <cusip>46435G516</cusip>
         <value>3658</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>50</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS DEC2026</titleOfClass>
         <cusip>46435GAA0</cusip>
         <value>27458</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1170</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1170</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CYBERSECURITY</titleOfClass>
         <cusip>46435U135</cusip>
         <value>11346</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>300</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>BB RAT CORP BD</titleOfClass>
         <cusip>46435U473</cusip>
         <value>49597</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1107</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1107</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBDS DEC28 ETF</titleOfClass>
         <cusip>46435U515</cusip>
         <value>4215</value>
         <shrsOrPrnAmt>
             <sshPrnamt>172</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>172</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ESG AWARE MSCI</titleOfClass>
         <cusip>46435U663</cusip>
         <value>3392</value>
         <shrsOrPrnAmt>
             <sshPrnamt>96</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>96</Sole>
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             <None>0</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>US INFRASTRUC</titleOfClass>
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         <value>80661</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2064</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2064</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <titleOfClass>BROAD USD HIGH</titleOfClass>
         <cusip>46435U853</cusip>
         <value>169320</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4796</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4796</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
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         <cusip>46436E312</cusip>
         <value>4210</value>
         <shrsOrPrnAmt>
             <sshPrnamt>171</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>171</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>46436E460</cusip>
         <value>4162</value>
         <shrsOrPrnAmt>
             <sshPrnamt>202</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>
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         <titleOfClass>0-3 MNTH TREASRY</titleOfClass>
         <cusip>46436E718</cusip>
         <value>6758318</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <None>56</None>
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     <infoTable>
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         <cusip>46436E726</cusip>
         <value>4197</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>198</Sole>
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             <None>0</None>
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             <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>
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         <titleOfClass>ESG MSCI USA ETF</titleOfClass>
         <cusip>46436E767</cusip>
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         <shrsOrPrnAmt>
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             <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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         <cusip>46436E825</cusip>
         <value>4218</value>
         <shrsOrPrnAmt>
             <sshPrnamt>195</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>195</Sole>
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             <None>0</None>
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     <infoTable>
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         <cusip>46436E841</cusip>
         <value>4142</value>
         <shrsOrPrnAmt>
             <sshPrnamt>187</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>187</Sole>
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             <None>0</None>
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     <infoTable>
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         <cusip>46436E866</cusip>
         <value>4210</value>
         <shrsOrPrnAmt>
             <sshPrnamt>182</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>182</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>46436E874</cusip>
         <value>24395</value>
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             <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>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS 23 TRM TS</titleOfClass>
         <cusip>46436E882</cusip>
         <value>4292</value>
         <shrsOrPrnAmt>
             <sshPrnamt>173</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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         <cusip>465562106</cusip>
         <value>313</value>
         <shrsOrPrnAmt>
             <sshPrnamt>53</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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         <titleOfClass>COM</titleOfClass>
         <cusip>46625H100</cusip>
         <value>6974710</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <None>1193</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>466313103</cusip>
         <value>394055</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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         <cusip>466367109</cusip>
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             <sshPrnamtType>SH</sshPrnamtType>
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             <None>0</None>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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             <None>0</None>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>46982L108</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3233</Sole>
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             <None>67</None>
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         <titleOfClass>HENDRSN SHRT ETF</titleOfClass>
         <cusip>47103U886</cusip>
         <value>1525781</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31923</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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         <value>5736</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <value>5766</value>
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             <None>0</None>
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         <nameOfIssuer>NUSTAR ENERGY LP</nameOfIssuer>
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         <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC</nameOfIssuer>
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         <cusip>670657105</cusip>
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             <None>154</None>
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         <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <value>624</value>
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         <nameOfIssuer>NUVEEN MUNICIPAL CREDIT INC</nameOfIssuer>
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             <None>0</None>
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         <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME SECS FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072C105</cusip>
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         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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         <nameOfIssuer>NUVEEN CR STRATEGIES INCOME</nameOfIssuer>
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         <cusip>67073D102</cusip>
         <value>5807</value>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
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         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>5408</Sole>
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             <None>0</None>
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         <nameOfIssuer>NUVEEN VRIABL RAT PFD &amp; INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67080R102</cusip>
         <value>695429</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670837103</cusip>
         <value>9265</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670928100</cusip>
         <value>34313</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
         <cusip>67092P607</cusip>
         <value>112080</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>67103H107</cusip>
         <value>1431055</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>30</None>
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     <infoTable>
         <nameOfIssuer>CHORD ENERGY CORPORATION</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>674215207</cusip>
         <value>5998</value>
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             <sshPrnamt>39</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>39</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>674599105</cusip>
         <value>119307</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>*W EXP 08/03/202</titleOfClass>
         <cusip>674599162</cusip>
         <value>411</value>
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             <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>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>679580100</cusip>
         <value>190429</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>515</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>OLD NATL BANCORP IND</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>680033107</cusip>
         <value>1756</value>
         <shrsOrPrnAmt>
             <sshPrnamt>126</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>126</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OLD REP INTL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>680223104</cusip>
         <value>10500</value>
         <shrsOrPrnAmt>
             <sshPrnamt>417</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>417</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>OLIN CORP</nameOfIssuer>
         <titleOfClass>COM PAR $1</titleOfClass>
         <cusip>680665205</cusip>
         <value>5858</value>
         <shrsOrPrnAmt>
             <sshPrnamt>114</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <cusip>681116109</cusip>
         <value>4577</value>
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             <None>0</None>
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         <nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
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             <sshPrnamt>183</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>OMNICELL COM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68213N109</cusip>
         <value>8913</value>
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             <sshPrnamt>121</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>ON SEMICONDUCTOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682189105</cusip>
         <value>56085</value>
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             <sshPrnamt>593</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>OMNIAB INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>221</value>
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             <sshPrnamt>44</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
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             <sshPrnamt>1627</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>ONEMAIN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>867</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>ONTO INNOVATION INC</nameOfIssuer>
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             <None>0</None>
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         <nameOfIssuer>OPENDOOR TECHNOLOGIES INC</nameOfIssuer>
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             <sshPrnamt>22374</sshPrnamt>
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             <None>339</None>
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         <nameOfIssuer>OPORTUN FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>9004</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>ORACLE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>1093157</value>
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             <sshPrnamt>9180</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>32</None>
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         <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
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         <nameOfIssuer>OSHKOSH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>191</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>388</sshPrnamt>
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             <None>50</None>
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         <nameOfIssuer>OUTFRONT MEDIA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>OWENS CORNING NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>OWL ROCK CAPITAL CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69121K104</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>320</None>
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         <nameOfIssuer>OXFORD INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>691497309</cusip>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PDC ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69327R101</cusip>
         <value>75152</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>PG&amp;E CORP</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>PGIM ETF TR</nameOfIssuer>
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         <value>49410</value>
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     <infoTable>
         <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PPG INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693506107</cusip>
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     <infoTable>
         <nameOfIssuer>PPL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69351T106</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PACCAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693718108</cusip>
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     <infoTable>
         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
         <titleOfClass>LUNT LRG CP ALTR</titleOfClass>
         <cusip>69374H717</cusip>
         <value>49890</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
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         <value>2483</value>
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     <infoTable>
         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
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         <value>74808</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
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         <value>31425</value>
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     <infoTable>
         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
         <titleOfClass>US CASH COWS 100</titleOfClass>
         <cusip>69374H881</cusip>
         <value>844424</value>
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     <infoTable>
         <nameOfIssuer>PACIFIC BIOSCIENCES CALIF IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69404D108</cusip>
         <value>4628</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>PACIFIC PREMIER BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69478X105</cusip>
         <value>1138</value>
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             <sshPrnamt>55</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PACKAGING CORP AMER</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>695156109</cusip>
         <value>66370</value>
         <shrsOrPrnAmt>
             <sshPrnamt>502</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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     <infoTable>
         <nameOfIssuer>PACWEST BANCORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>695263103</cusip>
         <value>16451</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2018</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1017</None>
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     <infoTable>
         <nameOfIssuer>PAGERDUTY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69553P100</cusip>
         <value>1843</value>
         <shrsOrPrnAmt>
             <sshPrnamt>82</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>82</Sole>
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     <infoTable>
         <nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>69608A108</cusip>
         <value>25892</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1689</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1689</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>697435105</cusip>
         <value>2108754</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8253</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>7861</Sole>
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             <None>392</None>
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     <infoTable>
         <nameOfIssuer>PALOMAR HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69753M105</cusip>
         <value>2147</value>
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             <sshPrnamt>37</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
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             <None>8</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>ROYAL GOLD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>780287108</cusip>
         <value>43032</value>
         <shrsOrPrnAmt>
             <sshPrnamt>375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>375</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROYCE VALUE TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>780910105</cusip>
         <value>251683</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18238</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15960</Sole>
             <Shared>0</Shared>
             <None>2278</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RYANAIR HOLDINGS PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>783513203</cusip>
         <value>63484</value>
         <shrsOrPrnAmt>
             <sshPrnamt>574</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>574</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RYDER SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>783549108</cusip>
         <value>45021</value>
         <shrsOrPrnAmt>
             <sshPrnamt>531</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>531</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RYMAN HOSPITALITY PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78377T107</cusip>
         <value>1208</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
         <value>1021932</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2549</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2487</Sole>
             <Shared>0</Shared>
             <None>62</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>78410G104</cusip>
         <value>53587</value>
         <shrsOrPrnAmt>
             <sshPrnamt>231</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>222</Sole>
             <Shared>0</Shared>
             <None>9</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEI INVTS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>784117103</cusip>
         <value>13772</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>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
         <titleOfClass>TR UNIT</titleOfClass>
         <cusip>78462F103</cusip>
         <value>2864782</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6463</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6463</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPS COMM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78463M107</cusip>
         <value>82395</value>
         <shrsOrPrnAmt>
             <sshPrnamt>429</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>429</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>3820332</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21430</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18472</Sole>
             <Shared>0</Shared>
             <None>2958</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>EURO STOXX 50</titleOfClass>
         <cusip>78463X202</cusip>
         <value>3099</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>67</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>GLB NAT RESRCE</titleOfClass>
         <cusip>78463X541</cusip>
         <value>23085</value>
         <shrsOrPrnAmt>
             <sshPrnamt>428</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>428</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
         <cusip>78463X889</cusip>
         <value>82912</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2548</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2548</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>25670</value>
         <shrsOrPrnAmt>
             <sshPrnamt>334</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>334</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLOOMBERG</titleOfClass>
         <cusip>78464A284</cusip>
         <value>25010</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
         <cusip>78464A300</cusip>
         <value>15220</value>
         <shrsOrPrnAmt>
             <sshPrnamt>197</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>197</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>42460</value>
         <shrsOrPrnAmt>
             <sshPrnamt>607</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <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>6397</value>
         <shrsOrPrnAmt>
             <sshPrnamt>292</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>292</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>277437</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4547</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4547</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>23544</value>
         <shrsOrPrnAmt>
             <sshPrnamt>545</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>545</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
         <cusip>78464A664</cusip>
         <value>546059</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18262</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10015</Sole>
             <Shared>0</Shared>
             <None>8247</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P REGL BKG</titleOfClass>
         <cusip>78464A698</cusip>
         <value>9122</value>
         <shrsOrPrnAmt>
             <sshPrnamt>223</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>223</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>3100</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>61</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>264448</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2158</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2158</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>1880</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>53993</value>
         <shrsOrPrnAmt>
             <sshPrnamt>754</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>754</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>63077</value>
         <shrsOrPrnAmt>
             <sshPrnamt>917</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>917</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>8320</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>155985</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2574</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2485</Sole>
             <Shared>0</Shared>
             <None>89</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>INCOM ALLO ETF</titleOfClass>
         <cusip>78467V202</cusip>
         <value>258853</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8542</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8542</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>BLACKSTONE SENR</titleOfClass>
         <cusip>78467V608</cusip>
         <value>2356094</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56269</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>55975</Sole>
             <Shared>0</Shared>
             <None>294</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
         <titleOfClass>UT SER 1</titleOfClass>
         <cusip>78467X109</cusip>
         <value>1119628</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3257</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3257</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>302124</value>
         <shrsOrPrnAmt>
             <sshPrnamt>629</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>629</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
         <cusip>78468R622</cusip>
         <value>8927</value>
         <shrsOrPrnAmt>
             <sshPrnamt>97</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>97</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
         <value>4514353</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49165</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>24453</Sole>
             <Shared>0</Shared>
             <None>24712</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG MU</titleOfClass>
         <cusip>78468R721</cusip>
         <value>40114</value>
         <shrsOrPrnAmt>
             <sshPrnamt>869</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>836</Sole>
             <Shared>0</Shared>
             <None>33</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>83749</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1780</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1723</Sole>
             <Shared>0</Shared>
             <None>57</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>SPDR S&amp;P 500 ETF</titleOfClass>
         <cusip>78468R796</cusip>
         <value>44091</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1219</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1219</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
         <cusip>78468R853</cusip>
         <value>7030</value>
         <shrsOrPrnAmt>
             <sshPrnamt>181</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>181</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SABRE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78573M104</cusip>
         <value>1815</value>
         <shrsOrPrnAmt>
             <sshPrnamt>569</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>569</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAFETY INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78648T100</cusip>
         <value>502</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>213319</value>
         <shrsOrPrnAmt>
             <sshPrnamt>623</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>623</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>3003928</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14219</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13476</Sole>
             <Shared>0</Shared>
             <None>743</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANMINA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>801056102</cusip>
         <value>13200</value>
         <shrsOrPrnAmt>
             <sshPrnamt>219</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>219</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANOFI</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>80105N105</cusip>
         <value>263842</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4895</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4739</Sole>
             <Shared>0</Shared>
             <None>156</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>589466</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4309</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4309</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAREPTA THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>803607100</cusip>
         <value>13746</value>
         <shrsOrPrnAmt>
             <sshPrnamt>120</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>115</Sole>
             <Shared>0</Shared>
             <None>5</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806407102</cusip>
         <value>385554</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4754</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4754</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM STK</titleOfClass>
         <cusip>806857108</cusip>
         <value>58810</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1197</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1197</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>223903</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3951</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3642</Sole>
             <Shared>0</Shared>
             <None>309</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US BRD MKT ETF</titleOfClass>
         <cusip>808524102</cusip>
         <value>47461</value>
         <shrsOrPrnAmt>
             <sshPrnamt>918</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <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>287564</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5491</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5491</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>68331</value>
         <shrsOrPrnAmt>
             <sshPrnamt>962</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>962</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>61321</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <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>16515</value>
         <shrsOrPrnAmt>
             <sshPrnamt>671</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>671</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>205183</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2826</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2826</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>70648</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1982</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1982</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>1386057</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28126</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15466</Sole>
             <Shared>0</Shared>
             <None>12660</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>1110189</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13597</Sole>
             <Shared>0</Shared>
             <None>9503</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US TIPS ETF</titleOfClass>
         <cusip>808524870</cusip>
         <value>5243</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>62794</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>191356</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3052</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2922</Sole>
             <Shared>0</Shared>
             <None>130</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>67086</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1156</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1152</Sole>
             <Shared>0</Shared>
             <None>4</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81181C104</cusip>
         <value>67934</value>
         <shrsOrPrnAmt>
             <sshPrnamt>353</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>351</Sole>
             <Shared>0</Shared>
             <None>2</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81211K100</cusip>
         <value>71218</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1780</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1780</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>266846</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3219</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3217</Sole>
             <Shared>0</Shared>
             <None>2</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>1728223</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13022</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13011</Sole>
             <Shared>0</Shared>
             <None>11</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>1386643</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18697</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18693</Sole>
             <Shared>0</Shared>
             <None>4</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>90002</value>
         <shrsOrPrnAmt>
             <sshPrnamt>530</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>526</Sole>
             <Shared>0</Shared>
             <None>4</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>553790</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6824</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6822</Sole>
             <Shared>0</Shared>
             <None>2</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>745748</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22122</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>22104</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>297391</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2771</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2764</Sole>
             <Shared>0</Shared>
             <None>7</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>2085229</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11994</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11978</Sole>
             <Shared>0</Shared>
             <None>16</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>62023</value>
         <shrsOrPrnAmt>
             <sshPrnamt>953</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
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         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
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         <nameOfIssuer>SEELOS THERAPEUTICS INC</nameOfIssuer>
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         <value>467</value>
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         <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816300107</cusip>
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         <nameOfIssuer>SEMPRA</nameOfIssuer>
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         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
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         <nameOfIssuer>SHIFT4 PMTS INC</nameOfIssuer>
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         <nameOfIssuer>SHOCKWAVE MED INC</nameOfIssuer>
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         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
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         <value>356461</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>825107105</cusip>
         <value>587872</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>72869</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>SIXTH STREET SPECIALTY LENDI</nameOfIssuer>
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         <value>71942</value>
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         <nameOfIssuer>THOMSON REUTERS CORP.</nameOfIssuer>
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         <nameOfIssuer>UNITED STATES STL CORP NEW</nameOfIssuer>
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         <nameOfIssuer>UNITED THERAPEUTICS CORP DEL</nameOfIssuer>
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         <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
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     <infoTable>
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         <value>101088</value>
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         <value>4823</value>
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     <infoTable>
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         <cusip>921908844</cusip>
         <value>3634699</value>
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             <None>999</None>
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             <Sole>7421</Sole>
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             <None>331</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ESG US STK ETF</titleOfClass>
         <cusip>921910733</cusip>
         <value>40983</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA GRWTH IND</titleOfClass>
         <cusip>921910816</cusip>
         <value>64524</value>
         <shrsOrPrnAmt>
             <sshPrnamt>274</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>250</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>SMLLCP 600 IDX</titleOfClass>
         <cusip>921932828</cusip>
         <value>1547380</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16840</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15789</Sole>
             <Shared>0</Shared>
             <None>1051</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>MIDCP 400 IDX</titleOfClass>
         <cusip>921932885</cusip>
         <value>1685898</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19041</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>17944</Sole>
             <Shared>0</Shared>
             <None>1097</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>LONG TERM BOND</titleOfClass>
         <cusip>921937793</cusip>
         <value>39932</value>
         <shrsOrPrnAmt>
             <sshPrnamt>533</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>533</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>INTERMED TERM</titleOfClass>
         <cusip>921937819</cusip>
         <value>46117</value>
         <shrsOrPrnAmt>
             <sshPrnamt>613</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>613</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>SHORT TRM BOND</titleOfClass>
         <cusip>921937827</cusip>
         <value>845101</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11183</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11183</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>12721</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>6743715</value>
         <shrsOrPrnAmt>
             <sshPrnamt>146034</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>141933</Sole>
             <Shared>0</Shared>
             <None>4101</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>1235589</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11632</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11545</Sole>
             <Shared>0</Shared>
             <None>87</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL HIGH ETF</titleOfClass>
         <cusip>921946794</cusip>
         <value>23953</value>
         <shrsOrPrnAmt>
             <sshPrnamt>379</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>379</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>54879</value>
         <shrsOrPrnAmt>
             <sshPrnamt>881</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>881</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
         <titleOfClass>STRM INFPROIDX</titleOfClass>
         <cusip>922020805</cusip>
         <value>25133</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>120929</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2474</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2474</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>14069</value>
         <shrsOrPrnAmt>
             <sshPrnamt>350</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>350</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>378250</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3900</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>208446</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3831</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3631</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>3033299</value>
         <shrsOrPrnAmt>
             <sshPrnamt>74566</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>72776</Sole>
             <Shared>0</Shared>
             <None>1790</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EUROPE ETF</titleOfClass>
         <cusip>922042874</cusip>
         <value>6787</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>22090</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>18862</value>
         <shrsOrPrnAmt>
             <sshPrnamt>97</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>97</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
         <value>225780</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>9774</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>9814</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>26514</value>
         <shrsOrPrnAmt>
             <sshPrnamt>129</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>129</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>INF TECH ETF</titleOfClass>
         <cusip>92204A702</cusip>
         <value>196858</value>
         <shrsOrPrnAmt>
             <sshPrnamt>445</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>445</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>MATERIALS ETF</titleOfClass>
         <cusip>92204A801</cusip>
         <value>70469</value>
         <shrsOrPrnAmt>
             <sshPrnamt>387</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>387</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>UTILITIES ETF</titleOfClass>
         <cusip>92204A876</cusip>
         <value>25591</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>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>924609</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12221</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12221</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>1800581</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23811</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>19649</Sole>
             <Shared>0</Shared>
             <None>4162</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000GRW</titleOfClass>
         <cusip>92206C680</cusip>
         <value>57385</value>
         <shrsOrPrnAmt>
             <sshPrnamt>811</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>811</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000VAL</titleOfClass>
         <cusip>92206C714</cusip>
         <value>144966</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2094</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2094</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000IDX</titleOfClass>
         <cusip>92206C730</cusip>
         <value>42529</value>
         <shrsOrPrnAmt>
             <sshPrnamt>211</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>211</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>2199839</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47833</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>26648</Sole>
             <Shared>0</Shared>
             <None>21185</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>LONG TERM TREAS</titleOfClass>
         <cusip>92206C847</cusip>
         <value>5146</value>
         <shrsOrPrnAmt>
             <sshPrnamt>81</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>81</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
         <value>209198</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2647</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2647</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>922475108</cusip>
         <value>583305</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2950</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2800</Sole>
             <Shared>0</Shared>
             <None>150</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VENTAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92276F100</cusip>
         <value>258141</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>112191</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2234</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2234</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>24491814</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60135</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>56796</Sole>
             <Shared>0</Shared>
             <None>3339</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>722591</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5221</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4251</Sole>
             <Shared>0</Shared>
             <None>970</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>808883</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3931</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2909</Sole>
             <Shared>0</Shared>
             <None>1022</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>5849</value>
         <shrsOrPrnAmt>
             <sshPrnamt>70</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <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>32623</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>155641</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>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>581000</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2639</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2639</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>EXTEND MKT ETF</titleOfClass>
         <cusip>922908652</cusip>
         <value>74463</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>2819892</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9955</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9890</Sole>
             <Shared>0</Shared>
             <None>65</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>4423984</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31109</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>30689</Sole>
             <Shared>0</Shared>
             <None>420</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>394797</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1985</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1901</Sole>
             <Shared>0</Shared>
             <None>84</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>559749</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2541</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2541</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERACYTE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92337F107</cusip>
         <value>1681</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>66</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343E102</cusip>
         <value>2938</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>2890852</value>
         <shrsOrPrnAmt>
             <sshPrnamt>77731</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>76131</Sole>
             <Shared>0</Shared>
             <None>1600</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>96766</value>
         <shrsOrPrnAmt>
             <sshPrnamt>428</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>428</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERRA MOBILITY CORP</nameOfIssuer>
         <titleOfClass>CL A COM STK</titleOfClass>
         <cusip>92511U102</cusip>
         <value>3905</value>
         <shrsOrPrnAmt>
             <sshPrnamt>198</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>198</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92532F100</cusip>
         <value>762944</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2168</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2151</Sole>
             <Shared>0</Shared>
             <None>17</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERVE THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92539P101</cusip>
         <value>13126</value>
         <shrsOrPrnAmt>
             <sshPrnamt>700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>700</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIAVI SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925550105</cusip>
         <value>487</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>43</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PARAMOUNT GLOBAL</nameOfIssuer>
         <titleOfClass>CLASS B COM</titleOfClass>
         <cusip>92556H206</cusip>
         <value>164144</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10317</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10317</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIATRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>76134</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7629</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7629</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925652109</cusip>
         <value>461334</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14678</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14353</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>201651</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3502</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3501</Sole>
             <Shared>0</Shared>
             <None>1</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
         <titleOfClass>VCSHS US SMCP HG</titleOfClass>
         <cusip>92647N873</cusip>
         <value>169166</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>VIRGIN GALACTIC HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92766K106</cusip>
         <value>1164</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>5813</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>7040094</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29643</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>28930</Sole>
             <Shared>0</Shared>
             <None>713</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISTEON CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>92839U206</cusip>
         <value>2298</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>79118</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3014</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3014</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VITAL FARMS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92847W103</cusip>
         <value>2434</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>VMWARE INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>928563402</cusip>
         <value>54747</value>
         <shrsOrPrnAmt>
             <sshPrnamt>381</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>364</Sole>
             <Shared>0</Shared>
             <None>17</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VODAFONE GROUP PLC NEW</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>92857W308</cusip>
         <value>6076</value>
         <shrsOrPrnAmt>
             <sshPrnamt>643</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>643</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VONTIER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>928881101</cusip>
         <value>74665</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2318</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2318</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VORNADO RLTY TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>929042109</cusip>
         <value>8929</value>
         <shrsOrPrnAmt>
             <sshPrnamt>492</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>492</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VOYA FINANCIAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929089100</cusip>
         <value>34923</value>
         <shrsOrPrnAmt>
             <sshPrnamt>487</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>487</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VOYA GLBL EQTY DIV &amp; PREM OP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92912T100</cusip>
         <value>9680</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1883</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1883</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929160109</cusip>
         <value>180645</value>
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     <infoTable>
         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>3773766</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12217</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12073</Sole>
             <Shared>0</Shared>
             <None>144</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>BROOKFIELD INFRAST PARTNERS</nameOfIssuer>
         <titleOfClass>LP INT UNIT</titleOfClass>
         <cusip>G16252101</cusip>
         <value>29494</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>CIMPRESS PLC</nameOfIssuer>
         <titleOfClass>SHS EURO</titleOfClass>
         <cusip>G2143T103</cusip>
         <value>297</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>491616</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51586</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>49411</Sole>
             <Shared>0</Shared>
             <None>2175</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CONSOLIDATED WATER CO INC</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G23773107</cusip>
         <value>1745</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>72</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G25839104</cusip>
         <value>15592</value>
         <shrsOrPrnAmt>
             <sshPrnamt>242</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>242</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>4731734</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23515</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>23462</Sole>
             <Shared>0</Shared>
             <None>53</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ESSENT GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G3198U102</cusip>
         <value>983</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EVEREST RE GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G3223R108</cusip>
         <value>12648</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>37</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FABRINET</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3323L100</cusip>
         <value>14417</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>35081</value>
         <shrsOrPrnAmt>
             <sshPrnamt>223</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>178</Sole>
             <Shared>0</Shared>
             <None>45</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEX LNG LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G35947202</cusip>
         <value>14390</value>
         <shrsOrPrnAmt>
             <sshPrnamt>471</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>471</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FTAI AVIATION LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3730V105</cusip>
         <value>154501</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>3081</value>
         <shrsOrPrnAmt>
             <sshPrnamt>82</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>82</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer>
         <titleOfClass>ORDINARY SHARES</titleOfClass>
         <cusip>G39387108</cusip>
         <value>9429</value>
         <shrsOrPrnAmt>
             <sshPrnamt>146</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>146</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HELEN OF TROY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G4388N106</cusip>
         <value>324</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G46188101</cusip>
         <value>76522</value>
         <shrsOrPrnAmt>
             <sshPrnamt>744</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>744</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ICON PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G4705A100</cusip>
         <value>333514</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1333</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1333</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ICHOR HOLDINGS</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G4740B105</cusip>
         <value>55653</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1484</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1484</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JAMES RIV GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G5005R107</cusip>
         <value>38090</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2086</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2086</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G50871105</cusip>
         <value>52195</value>
         <shrsOrPrnAmt>
             <sshPrnamt>421</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>421</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>145427</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2134</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1990</Sole>
             <Shared>0</Shared>
             <None>144</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>2990531</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7837</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7803</Sole>
             <Shared>0</Shared>
             <None>34</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>3699815</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41989</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>41382</Sole>
             <Shared>0</Shared>
             <None>607</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>96378</value>
         <shrsOrPrnAmt>
             <sshPrnamt>944</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>870</Sole>
             <Shared>0</Shared>
             <None>74</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ALPHA &amp; OMEGA SEMICONDUCTOR</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6331P104</cusip>
         <value>2460</value>
         <shrsOrPrnAmt>
             <sshPrnamt>75</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>75</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOBLE CORP PLC</nameOfIssuer>
         <titleOfClass>ORD SHS A</titleOfClass>
         <cusip>G65431127</cusip>
         <value>18424</value>
         <shrsOrPrnAmt>
             <sshPrnamt>446</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>446</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOMAD FOODS LTD</nameOfIssuer>
         <titleOfClass>USD ORD SHS</titleOfClass>
         <cusip>G6564A105</cusip>
         <value>8340</value>
         <shrsOrPrnAmt>
             <sshPrnamt>476</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>476</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
         <value>9252</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>6562</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>5977</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>ROYALTY PHARMA PLC</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G7709Q104</cusip>
         <value>78695</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2560</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>771</Sole>
             <Shared>0</Shared>
             <None>1789</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G7997R103</cusip>
         <value>92313</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1491</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1491</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>5878</value>
         <shrsOrPrnAmt>
             <sshPrnamt>91</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>91</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8060N102</cusip>
         <value>77294</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1718</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1718</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMART GLOBAL HLDGS INC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8232Y101</cusip>
         <value>5976</value>
         <shrsOrPrnAmt>
             <sshPrnamt>206</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>206</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STERIS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G8473T100</cusip>
         <value>746344</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3318</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2952</Sole>
             <Shared>0</Shared>
             <None>366</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STONECO LTD</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>G85158106</cusip>
         <value>66491</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5219</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>475940</value>
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             <sshPrnamt>2488</sshPrnamt>
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         <nameOfIssuer>TRITON INTL LTD</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>G9078F107</cusip>
         <value>73580</value>
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             <sshPrnamt>884</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>GOLAR LNG LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G9456A100</cusip>
         <value>58042</value>
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             <sshPrnamt>2878</sshPrnamt>
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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>90281</value>
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             <sshPrnamt>65</sshPrnamt>
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         <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>16792</value>
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             <sshPrnamt>71</sshPrnamt>
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         <nameOfIssuer>PERRIGO CO PLC</nameOfIssuer>
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         <cusip>G97822103</cusip>
         <value>16737</value>
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             <sshPrnamt>493</sshPrnamt>
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         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>392657</value>
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             <sshPrnamt>4782</sshPrnamt>
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             <Sole>4642</Sole>
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         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>1269579</value>
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             <sshPrnamt>6591</sshPrnamt>
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             <None>25</None>
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         <nameOfIssuer>CRISPR THERAPEUTICS AG</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>H17182108</cusip>
         <value>16449</value>
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             <sshPrnamt>293</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>GARMIN LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H2906T109</cusip>
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         <cusip>H42097107</cusip>
         <value>3362</value>
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             <sshPrnamt>166</sshPrnamt>
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         <nameOfIssuer>LOGITECH INTL S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H50430232</cusip>
         <value>3385</value>
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             <sshPrnamt>57</sshPrnamt>
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         <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H84989104</cusip>
         <value>871867</value>
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         <nameOfIssuer>GLOBANT S A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>L44385109</cusip>
         <value>141082</value>
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             <sshPrnamt>785</sshPrnamt>
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         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>50893</value>
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             <sshPrnamt>317</sshPrnamt>
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         <nameOfIssuer>AUDIOCODES LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M15342104</cusip>
         <value>1351</value>
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             <sshPrnamt>148</sshPrnamt>
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         <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
         <value>10630</value>
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             <sshPrnamt>68</sshPrnamt>
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         <nameOfIssuer>INMODE LTD</nameOfIssuer>
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         <cusip>M5425M103</cusip>
         <value>36717</value>
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         <value>33552</value>
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         <nameOfIssuer>AERCAP HOLDINGS NV</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
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         <value>26552</value>
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         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>2896772</value>
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         <nameOfIssuer>CNH INDL N V</nameOfIssuer>
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         <cusip>N20944109</cusip>
         <value>29977</value>
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         <nameOfIssuer>FERRARI N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N3167Y103</cusip>
         <value>52033</value>
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             <sshPrnamt>160</sshPrnamt>
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         <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
         <titleOfClass>SHS - A -</titleOfClass>
         <cusip>N53745100</cusip>
         <value>437472</value>
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         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>20468</value>
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         <nameOfIssuer>ONESPAWORLD HOLDINGS LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>P73684113</cusip>
         <value>57706</value>
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             <sshPrnamt>4769</sshPrnamt>
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         <nameOfIssuer>STEVANATO GROUP S P A</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>T9224W109</cusip>
         <value>6767</value>
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             <sshPrnamt>209</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>V7780T103</cusip>
         <value>131749</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>FLEX LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>Y2573F102</cusip>
         <value>58293</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>STAR BULK CARRIERS CORP.</nameOfIssuer>
         <titleOfClass>SHS PAR</titleOfClass>
         <cusip>Y8162K204</cusip>
         <value>84273</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>AFLAC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>001055102</cusip>
         <value>10847967</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>64080</None>
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         <nameOfIssuer>AGNC INVT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00123Q104</cusip>
         <value>273510</value>
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             <sshPrnamt>27000</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>10821</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>522</Sole>
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     <infoTable>
         <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
         <titleOfClass>ALERIAN MLP</titleOfClass>
         <cusip>00162Q452</cusip>
         <value>101868</value>
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             <sshPrnamt>2598</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>922</None>
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         <nameOfIssuer>AMC ENTMT HLDGS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>00165C104</cusip>
         <value>44</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00206R102</cusip>
         <value>9921265</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>297121</None>
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     <infoTable>
         <nameOfIssuer>ARK ETF TR</nameOfIssuer>
         <titleOfClass>INNOVATION ETF</titleOfClass>
         <cusip>00214Q104</cusip>
         <value>17656</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>002824100</cusip>
         <value>27978414</value>
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         <value>387408</value>
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         <cusip>00846U101</cusip>
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         <cusip>009066101</cusip>
         <value>5616228</value>
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         <cusip>00912X302</cusip>
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         <value>36841</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>016255101</cusip>
         <value>37132</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <cusip>018802108</cusip>
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         <cusip>01881G106</cusip>
         <value>939876</value>
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             <None>28756</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>02043Q107</cusip>
         <value>916081</value>
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         <cusip>02072L722</cusip>
         <value>9850</value>
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         <cusip>02156BAD5</cusip>
         <value>12247</value>
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         <cusip>02156BAF0</cusip>
         <value>10909</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>02209S103</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>20</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>235851102</cusip>
         <value>135048881</value>
         <shrsOrPrnAmt>
             <sshPrnamt>562704</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>425264</Sole>
             <Shared>0</Shared>
             <None>137440</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DARDEN RESTAURANTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>237194105</cusip>
         <value>1016348</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6083</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3083</Sole>
             <Shared>0</Shared>
             <None>3000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DARLING INGREDIENTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>237266101</cusip>
         <value>13747064</value>
         <shrsOrPrnAmt>
             <sshPrnamt>215505</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>28299</Sole>
             <Shared>0</Shared>
             <None>187206</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DATADOG INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>23804L103</cusip>
         <value>20070</value>
         <shrsOrPrnAmt>
             <sshPrnamt>204</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>89</Sole>
             <Shared>0</Shared>
             <None>115</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DAVITA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>23918K108</cusip>
         <value>35767</value>
         <shrsOrPrnAmt>
             <sshPrnamt>356</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6</Sole>
             <Shared>0</Shared>
             <None>350</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DECKERS OUTDOOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>243537107</cusip>
         <value>4221</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>244199105</cusip>
         <value>38705124</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95523</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>69554</Sole>
             <Shared>0</Shared>
             <None>25969</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DELL TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>CL C</titleOfClass>
         <cusip>24703L202</cusip>
         <value>74131</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1370</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1370</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DELTA AIR LINES INC DEL</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>247361702</cusip>
         <value>1224060</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25748</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>16915</Sole>
             <Shared>0</Shared>
             <None>8833</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DENALI THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>24823R105</cusip>
         <value>14755</value>
         <shrsOrPrnAmt>
             <sshPrnamt>500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DENTSPLY SIRONA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>24906P109</cusip>
         <value>405283</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10127</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6042</Sole>
             <Shared>0</Shared>
             <None>4085</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25179M103</cusip>
         <value>137382</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2842</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2842</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DEXCOM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>252131107</cusip>
         <value>15667811</value>
         <shrsOrPrnAmt>
             <sshPrnamt>121919</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>120820</Sole>
             <Shared>0</Shared>
             <None>1099</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>25243Q205</cusip>
         <value>4536861</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26152</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>23220</Sole>
             <Shared>0</Shared>
             <None>2932</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIAMONDBACK ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25278X109</cusip>
         <value>85909</value>
         <shrsOrPrnAmt>
             <sshPrnamt>654</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>654</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DICKS SPORTING GOODS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>253393102</cusip>
         <value>4230</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>18</Sole>
             <Shared>0</Shared>
             <None>14</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>253868103</cusip>
         <value>12802545</value>
         <shrsOrPrnAmt>
             <sshPrnamt>112431</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>83741</Sole>
             <Shared>0</Shared>
             <None>28690</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIGITAL TURBINE INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>25400W102</cusip>
         <value>1392000</value>
         <shrsOrPrnAmt>
             <sshPrnamt>150000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>150000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US CORE EQT MKT</titleOfClass>
         <cusip>25434V104</cusip>
         <value>20238672</value>
         <shrsOrPrnAmt>
             <sshPrnamt>653071</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>653071</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTL CORE EQT MK</titleOfClass>
         <cusip>25434V203</cusip>
         <value>6019968</value>
         <shrsOrPrnAmt>
             <sshPrnamt>220350</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>29176</Sole>
             <Shared>0</Shared>
             <None>191174</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>EMGR CRE EQT MNG</titleOfClass>
         <cusip>25434V302</cusip>
         <value>3429448</value>
         <shrsOrPrnAmt>
             <sshPrnamt>146183</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>146183</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US EQUITY ETF</titleOfClass>
         <cusip>25434V401</cusip>
         <value>4594527</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95401</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>18286</Sole>
             <Shared>0</Shared>
             <None>77115</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US SMALL CAP ETF</titleOfClass>
         <cusip>25434V500</cusip>
         <value>376640</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6873</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6073</Sole>
             <Shared>0</Shared>
             <None>800</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US TARGETED VLU</titleOfClass>
         <cusip>25434V609</cusip>
         <value>1267143</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27315</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>24908</Sole>
             <Shared>0</Shared>
             <None>2407</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US CORE EQUITY 2</titleOfClass>
         <cusip>25434V708</cusip>
         <value>1098272</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40452</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>40452</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US SUSTAINABILTY</titleOfClass>
         <cusip>25434V716</cusip>
         <value>341562</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11899</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>11899</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US MKTWIDE VALUE</titleOfClass>
         <cusip>25434V724</cusip>
         <value>1393465</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40390</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22228</Sole>
             <Shared>0</Shared>
             <None>18162</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTERNATNAL VAL</titleOfClass>
         <cusip>25434V807</cusip>
         <value>167900</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5111</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5111</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US SMALL CAP VAL</titleOfClass>
         <cusip>25434V815</cusip>
         <value>1651473</value>
         <shrsOrPrnAmt>
             <sshPrnamt>64260</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>203</Sole>
             <Shared>0</Shared>
             <None>64057</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US HIGH PROFITAB</titleOfClass>
         <cusip>25434V831</cusip>
         <value>6568763</value>
         <shrsOrPrnAmt>
             <sshPrnamt>247504</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>48757</Sole>
             <Shared>0</Shared>
             <None>198747</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>NATL MUN BD ETF</titleOfClass>
         <cusip>25434V849</cusip>
         <value>3929475</value>
         <shrsOrPrnAmt>
             <sshPrnamt>82500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>82500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>CORE FIXED INCOM</titleOfClass>
         <cusip>25434V872</cusip>
         <value>4924140</value>
         <shrsOrPrnAmt>
             <sshPrnamt>118000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>118000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>WORLD EX US CORE</titleOfClass>
         <cusip>25434V880</cusip>
         <value>1047785</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44950</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>44874</Sole>
             <Shared>0</Shared>
             <None>76</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIODES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254543101</cusip>
         <value>15816</value>
         <shrsOrPrnAmt>
             <sshPrnamt>171</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <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>36476391</value>
         <shrsOrPrnAmt>
             <sshPrnamt>408562</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>320071</Sole>
             <Shared>0</Shared>
             <None>88491</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254709108</cusip>
         <value>11873713</value>
         <shrsOrPrnAmt>
             <sshPrnamt>101615</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>67213</Sole>
             <Shared>0</Shared>
             <None>34402</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DOCUSIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256163106</cusip>
         <value>9043</value>
         <shrsOrPrnAmt>
             <sshPrnamt>177</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>102</Sole>
             <Shared>0</Shared>
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         <nameOfIssuer>FORTUNE BRANDS INNOVATIONS I</nameOfIssuer>
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             <Shared>0</Shared>
             <None>7113</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>WATER RES ETF</titleOfClass>
         <cusip>46137V142</cusip>
         <value>314374</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5575</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1000</Sole>
             <Shared>0</Shared>
             <None>4575</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P MDCP400 VL</titleOfClass>
         <cusip>46137V191</cusip>
         <value>31023</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>300</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P MDCP400 PR</titleOfClass>
         <cusip>46137V217</cusip>
         <value>78128</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>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P 500 TOP 50</titleOfClass>
         <cusip>46137V233</cusip>
         <value>84635</value>
         <shrsOrPrnAmt>
             <sshPrnamt>242</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>242</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P500 QUALITY</titleOfClass>
         <cusip>46137V241</cusip>
         <value>7937</value>
         <shrsOrPrnAmt>
             <sshPrnamt>157</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>157</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P500 EQL TEC</titleOfClass>
         <cusip>46137V282</cusip>
         <value>441135</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
         <cusip>46137V357</cusip>
         <value>13978216</value>
         <shrsOrPrnAmt>
             <sshPrnamt>93412</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>90841</Sole>
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             <None>2571</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>INVESCO MSCI</titleOfClass>
         <cusip>46137V407</cusip>
         <value>2233319</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45564</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9770</Sole>
             <Shared>0</Shared>
             <None>35794</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>INTL DIVI ACHI</titleOfClass>
         <cusip>46137V548</cusip>
         <value>18050</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>HIG YLD EQ DIV</titleOfClass>
         <cusip>46137V563</cusip>
         <value>653</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>34</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>FTSE RAFI 1500</titleOfClass>
         <cusip>46137V597</cusip>
         <value>100521</value>
         <shrsOrPrnAmt>
             <sshPrnamt>585</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>565</Sole>
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             <None>20</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>FTSE RAFI 1000</titleOfClass>
         <cusip>46137V613</cusip>
         <value>114555</value>
         <shrsOrPrnAmt>
             <sshPrnamt>700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>700</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>DYNMC LRG VALU</titleOfClass>
         <cusip>46137V738</cusip>
         <value>6202</value>
         <shrsOrPrnAmt>
             <sshPrnamt>133</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>133</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>DYNMC LRG GWTH</titleOfClass>
         <cusip>46137V746</cusip>
         <value>7627</value>
         <shrsOrPrnAmt>
             <sshPrnamt>108</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>108</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
         <titleOfClass>UNIT</titleOfClass>
         <cusip>46138B103</cusip>
         <value>4540</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
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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 GBL WATER</titleOfClass>
         <cusip>46138E263</cusip>
         <value>16400</value>
         <shrsOrPrnAmt>
             <sshPrnamt>319</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>319</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>S&amp;P500 LOW VOL</titleOfClass>
         <cusip>46138E354</cusip>
         <value>34689</value>
         <shrsOrPrnAmt>
             <sshPrnamt>552</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>72</Sole>
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             <None>480</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>PFD ETF</titleOfClass>
         <cusip>46138E511</cusip>
         <value>500</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>44</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>KBW BK ETF</titleOfClass>
         <cusip>46138E628</cusip>
         <value>12110</value>
         <shrsOrPrnAmt>
             <sshPrnamt>295</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>295</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>GLOBAL WATER</titleOfClass>
         <cusip>46138E651</cusip>
         <value>1066375</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29812</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15375</Sole>
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             <None>14437</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>SOLAR ETF</titleOfClass>
         <cusip>46138G706</cusip>
         <value>1201427</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16822</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9888</Sole>
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             <None>6934</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>GBL CLEAN ENRG</titleOfClass>
         <cusip>46138G847</cusip>
         <value>20790</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1100</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>VAR RATE PFD</titleOfClass>
         <cusip>46138G870</cusip>
         <value>21138</value>
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             <sshPrnamt>950</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO CURRENCYSHARES EURO</nameOfIssuer>
         <titleOfClass>EURO SHS</titleOfClass>
         <cusip>46138K103</cusip>
         <value>258981</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2569</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
         <titleOfClass>AGRICULTURE FD</titleOfClass>
         <cusip>46140H106</cusip>
         <value>367461</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17440</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>1300</None>
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     <infoTable>
         <nameOfIssuer>INVITATION HOMES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46187W107</cusip>
         <value>1302246</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>37330</Sole>
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             <None>526</None>
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     <infoTable>
         <nameOfIssuer>IONIS PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>462222100</cusip>
         <value>20515</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>IONQ INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>IQVIA HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46266C105</cusip>
         <value>83363035</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>145194</None>
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     <infoTable>
         <nameOfIssuer>IRON MTN INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46284V101</cusip>
         <value>159607</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2809</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>2809</None>
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     <infoTable>
         <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
         <titleOfClass>ISHARES NEW</titleOfClass>
         <cusip>464285204</cusip>
         <value>1377107</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37843</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>2208</None>
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     <infoTable>
         <nameOfIssuer>ISHARES INC</nameOfIssuer>
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         <cusip>464286319</cusip>
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             <sshPrnamt>63614</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>12966</Sole>
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             <None>50648</None>
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     <infoTable>
         <nameOfIssuer>ISHARES INC</nameOfIssuer>
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         <cusip>464286327</cusip>
         <value>43206</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>4475</None>
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     <infoTable>
         <nameOfIssuer>ISHARES INC</nameOfIssuer>
         <titleOfClass>MSCI AGRICULTURE</titleOfClass>
         <cusip>464286350</cusip>
         <value>43461</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>1100</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES INC</nameOfIssuer>
         <titleOfClass>MSCI CDA ETF</titleOfClass>
         <cusip>464286509</cusip>
         <value>18440</value>
         <shrsOrPrnAmt>
             <sshPrnamt>527</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>527</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES INC</nameOfIssuer>
         <titleOfClass>MSCI GBL MIN VOL</titleOfClass>
         <cusip>464286525</cusip>
         <value>65124</value>
         <shrsOrPrnAmt>
             <sshPrnamt>664</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>664</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES INC</nameOfIssuer>
         <titleOfClass>MSCI EMERG MRKT</titleOfClass>
         <cusip>464286533</cusip>
         <value>147910</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2690</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>SELECT DIVID ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>TIPS BD ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>CHINA LG-CAP ETF</titleOfClass>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>CORE US AGGBD ET</titleOfClass>
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     <infoTable>
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         <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>IBOXX INV CP ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>GLOBAL TECH ETF</titleOfClass>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>GLOB HLTHCRE ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>NORTH AMERN NAT</titleOfClass>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>20 YR TR BD ETF</titleOfClass>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>7-10 YR TRSY BD</titleOfClass>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>1 3 YR TREAS BD</titleOfClass>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MSCI EAFE ETF</titleOfClass>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>RUS MD CP GR ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>RUS MID CAP ETF</titleOfClass>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>EXPANDED TECH</titleOfClass>
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     <infoTable>
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         <titleOfClass>EXPND TEC SC ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>ISHARES BIOTECH</titleOfClass>
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     <infoTable>
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         <titleOfClass>US CONSUM DISCRE</titleOfClass>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>RUS 1000 ETF</titleOfClass>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>RUS 2000 GRW ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>CORE S&amp;P US VLU</titleOfClass>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE S&amp;P US GWT</titleOfClass>
         <cusip>464287671</cusip>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>RUSSELL 3000 ETF</titleOfClass>
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         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>S&amp;P MC 400VL ETF</titleOfClass>
         <cusip>464287705</cusip>
         <value>75634</value>
         <shrsOrPrnAmt>
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         <titleOfClass>COM</titleOfClass>
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         <shrsOrPrnAmt>
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             <None>200</None>
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         <titleOfClass>COM</titleOfClass>
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             <None>11394</None>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>NUVEEN MUN HIGH INCOME OPPOR</nameOfIssuer>
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         <nameOfIssuer>NUVEEN DOW 30 DYNMC OVERWRT</nameOfIssuer>
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         <cusip>67075F105</cusip>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
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         <cusip>749685103</cusip>
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         <nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>754907103</cusip>
         <value>1577014</value>
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         <cusip>756158101</cusip>
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         <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
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         <nameOfIssuer>REPLIGEN CORP</nameOfIssuer>
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         <cusip>78463X152</cusip>
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         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78464A375</cusip>
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         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78464A409</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>545</sshPrnamt>
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         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO SHORT</titleOfClass>
         <cusip>78464A474</cusip>
         <value>170281</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78464A508</cusip>
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         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>DJ REIT ETF</titleOfClass>
         <cusip>78464A607</cusip>
         <value>70001</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78464A698</cusip>
         <value>7962</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78464A763</cusip>
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         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <value>56950</value>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P BIOTECH</titleOfClass>
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         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78468R622</cusip>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
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         <value>3914879</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>SPDR S&amp;P 500 ETF</titleOfClass>
         <cusip>78468R796</cusip>
         <value>361121</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9984</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
         <cusip>78468R853</cusip>
         <value>17510868</value>
         <shrsOrPrnAmt>
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     <infoTable>
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     <infoTable>
         <nameOfIssuer>SABINE RTY TR</nameOfIssuer>
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         <value>280641</value>
         <shrsOrPrnAmt>
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     <infoTable>
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         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <cusip>808524508</cusip>
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         <shrsOrPrnAmt>
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     <infoTable>
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     <infoTable>
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         <cusip>808524730</cusip>
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         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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         <cusip>808524755</cusip>
         <value>19083</value>
         <shrsOrPrnAmt>
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             <None>97</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SCHWAB FDT US SC</titleOfClass>
         <cusip>808524763</cusip>
         <value>12108</value>
         <shrsOrPrnAmt>
             <sshPrnamt>240</sshPrnamt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>640875</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8825</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>1158</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>402560</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11292</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>543</Sole>
             <Shared>0</Shared>
             <None>10749</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US REIT ETF</titleOfClass>
         <cusip>808524847</cusip>
         <value>51051</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2614</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>602</Sole>
             <Shared>0</Shared>
             <None>2012</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>21243</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>2952747</value>
         <shrsOrPrnAmt>
             <sshPrnamt>87437</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>74</Sole>
             <Shared>0</Shared>
             <None>87363</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCRIPPS E W CO OHIO</nameOfIssuer>
         <titleOfClass>CL A NEW</titleOfClass>
         <cusip>811054402</cusip>
         <value>28969</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>805653</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13881</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9422</Sole>
             <Shared>0</Shared>
             <None>4459</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81181C104</cusip>
         <value>72173</value>
         <shrsOrPrnAmt>
             <sshPrnamt>375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>175</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81211K100</cusip>
         <value>480</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>36053</value>
         <shrsOrPrnAmt>
             <sshPrnamt>435</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>170</Sole>
             <Shared>0</Shared>
             <None>265</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>1628378</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12268</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>12142</Sole>
             <Shared>0</Shared>
             <None>126</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>35231</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>668495</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3937</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3886</Sole>
             <Shared>0</Shared>
             <None>51</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>1186919</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14623</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9835</Sole>
             <Shared>0</Shared>
             <None>4788</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>576452</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3799</Sole>
             <Shared>0</Shared>
             <None>13301</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>322389</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3004</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3004</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>1130765</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6504</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6429</Sole>
             <Shared>0</Shared>
             <None>75</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>11655</value>
         <shrsOrPrnAmt>
             <sshPrnamt>179</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>179</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>124641</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3307</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3014</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>296099</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4525</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4207</Sole>
             <Shared>0</Shared>
             <None>318</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>578429</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3973</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3614</Sole>
             <Shared>0</Shared>
             <None>359</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>817565104</cusip>
         <value>31132</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>1738</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>99710337</value>
         <shrsOrPrnAmt>
             <sshPrnamt>177430</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>136013</Sole>
             <Shared>0</Shared>
             <None>41417</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVISFIRST BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81768T108</cusip>
         <value>2637237</value>
         <shrsOrPrnAmt>
             <sshPrnamt>64449</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>64449</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>36099303</value>
         <shrsOrPrnAmt>
             <sshPrnamt>135957</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>74966</Sole>
             <Shared>0</Shared>
             <None>60991</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOALS TECHNOLOGIES GROUP IN</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82489W107</cusip>
         <value>38340</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
         <value>2296272</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35546</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>19469</Sole>
             <Shared>0</Shared>
             <None>16077</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>12324704</value>
         <shrsOrPrnAmt>
             <sshPrnamt>106726</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>55820</Sole>
             <Shared>0</Shared>
             <None>50906</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPSON MFG INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>829073105</cusip>
         <value>27700</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>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982L103</cusip>
         <value>25104</value>
         <shrsOrPrnAmt>
             <sshPrnamt>150</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>150</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83088M102</cusip>
         <value>28779</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>527201</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16347</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>14347</Sole>
             <Shared>0</Shared>
             <None>2000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMITH A O CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>831865209</cusip>
         <value>101892</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1400</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMARTFINANCIAL INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>83190L208</cusip>
         <value>1312110</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>61000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>611671</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4142</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3442</Sole>
             <Shared>0</Shared>
             <None>700</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>138331</value>
         <shrsOrPrnAmt>
             <sshPrnamt>480</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>480</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>83304A106</cusip>
         <value>7459</value>
         <shrsOrPrnAmt>
             <sshPrnamt>630</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>180</Sole>
             <Shared>0</Shared>
             <None>450</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP INC</nameOfIssuer>
         <titleOfClass>NOTE 0.750% 8/0</titleOfClass>
         <cusip>83304AAB2</cusip>
         <value>29620</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32000</sshPrnamt>
             <sshPrnamtType>PRN</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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         <nameOfIssuer>SPIRIT RLTY CAP INC NEW</nameOfIssuer>
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         <nameOfIssuer>SPROUTS FMRS MKT INC</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>874039100</cusip>
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         <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <votingAuthority>
             <Sole>1246</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA CAP VAL ETF</titleOfClass>
         <cusip>921910840</cusip>
         <value>93384</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>7205</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>386710</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4208</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4182</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>35599</value>
         <shrsOrPrnAmt>
             <sshPrnamt>402</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>402</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>INTERMED TERM</titleOfClass>
         <cusip>921937819</cusip>
         <value>4807924</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63910</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>52435</Sole>
             <Shared>0</Shared>
             <None>11475</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>SHORT TRM BOND</titleOfClass>
         <cusip>921937827</cusip>
         <value>8308984</value>
         <shrsOrPrnAmt>
             <sshPrnamt>109951</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>102399</Sole>
             <Shared>0</Shared>
             <None>7552</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>14187922</value>
         <shrsOrPrnAmt>
             <sshPrnamt>195184</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>137787</Sole>
             <Shared>0</Shared>
             <None>57397</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
         <value>44610872</value>
         <shrsOrPrnAmt>
             <sshPrnamt>966021</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>706140</Sole>
             <Shared>0</Shared>
             <None>259881</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>2661094</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25088</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5769</Sole>
             <Shared>0</Shared>
             <None>19319</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
         <titleOfClass>STRM INFPROIDX</titleOfClass>
         <cusip>922020805</cusip>
         <value>35565</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>7644</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>16905</value>
         <shrsOrPrnAmt>
             <sshPrnamt>421</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>421</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE SMCAP ETF</titleOfClass>
         <cusip>922042718</cusip>
         <value>37626568</value>
         <shrsOrPrnAmt>
             <sshPrnamt>340574</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1869</Sole>
             <Shared>0</Shared>
             <None>338705</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>TT WRLD ST ETF</titleOfClass>
         <cusip>922042742</cusip>
         <value>96883</value>
         <shrsOrPrnAmt>
             <sshPrnamt>999</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>999</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>ALLWRLD EX US</titleOfClass>
         <cusip>922042775</cusip>
         <value>12802780</value>
         <shrsOrPrnAmt>
             <sshPrnamt>235302</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>154638</Sole>
             <Shared>0</Shared>
             <None>80664</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>17250829</value>
         <shrsOrPrnAmt>
             <sshPrnamt>424062</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>136622</Sole>
             <Shared>0</Shared>
             <None>287440</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE PACIFIC ETF</titleOfClass>
         <cusip>922042866</cusip>
         <value>1672513</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23989</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>21315</Sole>
             <Shared>0</Shared>
             <None>2674</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EUROPE ETF</titleOfClass>
         <cusip>922042874</cusip>
         <value>2054302</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33295</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22095</Sole>
             <Shared>0</Shared>
             <None>11200</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>CONSUM DIS ETF</titleOfClass>
         <cusip>92204A108</cusip>
         <value>18977653</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67011</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3287</Sole>
             <Shared>0</Shared>
             <None>63724</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>CONSUM STP ETF</titleOfClass>
         <cusip>92204A207</cusip>
         <value>10243639</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52680</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>785</Sole>
             <Shared>0</Shared>
             <None>51895</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
         <value>15024430</value>
         <shrsOrPrnAmt>
             <sshPrnamt>133089</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>39304</Sole>
             <Shared>0</Shared>
             <None>93785</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>24474566</value>
         <shrsOrPrnAmt>
             <sshPrnamt>301263</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7177</Sole>
             <Shared>0</Shared>
             <None>294086</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
         <value>28493821</value>
         <shrsOrPrnAmt>
             <sshPrnamt>116387</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1293</Sole>
             <Shared>0</Shared>
             <None>115094</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>INDUSTRIAL ETF</titleOfClass>
         <cusip>92204A603</cusip>
         <value>17411596</value>
         <shrsOrPrnAmt>
             <sshPrnamt>84716</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>905</Sole>
             <Shared>0</Shared>
             <None>83811</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>INF TECH ETF</titleOfClass>
         <cusip>92204A702</cusip>
         <value>66993916</value>
         <shrsOrPrnAmt>
             <sshPrnamt>151515</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7657</Sole>
             <Shared>0</Shared>
             <None>143858</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>MATERIALS ETF</titleOfClass>
         <cusip>92204A801</cusip>
         <value>7312713</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40186</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1332</Sole>
             <Shared>0</Shared>
             <None>38854</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>UTILITIES ETF</titleOfClass>
         <cusip>92204A876</cusip>
         <value>175580</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>15486848</value>
         <shrsOrPrnAmt>
             <sshPrnamt>145676</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1339</Sole>
             <Shared>0</Shared>
             <None>144337</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHORT TERM TREAS</titleOfClass>
         <cusip>92206C102</cusip>
         <value>2884249</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49961</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>45009</Sole>
             <Shared>0</Shared>
             <None>4952</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>10370739</value>
         <shrsOrPrnAmt>
             <sshPrnamt>137070</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>100203</Sole>
             <Shared>0</Shared>
             <None>36867</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>TOTAL CORP BND</titleOfClass>
         <cusip>92206C573</cusip>
         <value>40251</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>148745</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1967</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <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>59863</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>35841</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>21870</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>5155044</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25576</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>25576</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>530495</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11535</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10635</Sole>
             <Shared>0</Shared>
             <None>900</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
         <value>2690046</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34038</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6619</Sole>
             <Shared>0</Shared>
             <None>27419</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>922475108</cusip>
         <value>270890</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1370</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>235</Sole>
             <Shared>0</Shared>
             <None>1135</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VENTAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92276F100</cusip>
         <value>29118</value>
         <shrsOrPrnAmt>
             <sshPrnamt>616</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>302</Sole>
             <Shared>0</Shared>
             <None>314</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>7904870</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19409</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>17402</Sole>
             <Shared>0</Shared>
             <None>2007</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>135336</value>
         <shrsOrPrnAmt>
             <sshPrnamt>978</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>951</Sole>
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             <None>27</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>494671</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2404</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1404</Sole>
             <Shared>0</Shared>
             <None>1000</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>11043127</value>
         <shrsOrPrnAmt>
             <sshPrnamt>132158</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>51569</Sole>
             <Shared>0</Shared>
             <None>80589</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>5792818</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25215</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>23606</Sole>
             <Shared>0</Shared>
             <None>1609</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>3124443</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18890</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>17629</Sole>
             <Shared>0</Shared>
             <None>1261</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>58122098</value>
         <shrsOrPrnAmt>
             <sshPrnamt>263999</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3726</Sole>
             <Shared>0</Shared>
             <None>260273</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>LARGE CAP ETF</titleOfClass>
         <cusip>922908637</cusip>
         <value>4371454</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21564</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>20803</Sole>
             <Shared>0</Shared>
             <None>761</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>EXTEND MKT ETF</titleOfClass>
         <cusip>922908652</cusip>
         <value>156010</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1048</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>993</Sole>
             <Shared>0</Shared>
             <None>55</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>21653034</value>
         <shrsOrPrnAmt>
             <sshPrnamt>76523</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>76058</Sole>
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             <None>465</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>4458963</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31379</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>29496</Sole>
             <Shared>0</Shared>
             <None>1883</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>89787333</value>
         <shrsOrPrnAmt>
             <sshPrnamt>451442</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>223544</Sole>
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             <None>227898</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>14200570</value>
         <shrsOrPrnAmt>
             <sshPrnamt>64466</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>54931</Sole>
             <Shared>0</Shared>
             <None>9535</None>
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     <infoTable>
         <nameOfIssuer>VERISIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343E102</cusip>
         <value>3385031</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14980</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>14980</None>
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     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>28002512</value>
         <shrsOrPrnAmt>
             <sshPrnamt>752958</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>530171</Sole>
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             <None>222787</None>
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     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>6091093</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26948</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>23891</Sole>
             <Shared>0</Shared>
             <None>3057</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERICEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92346J108</cusip>
         <value>10332</value>
         <shrsOrPrnAmt>
             <sshPrnamt>275</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>275</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92532F100</cusip>
         <value>3765437</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10700</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PARAMOUNT GLOBAL</nameOfIssuer>
         <titleOfClass>CLASS B COM</titleOfClass>
         <cusip>92556H206</cusip>
         <value>16030</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1008</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>208</Sole>
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             <None>800</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VIATRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>244933</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24542</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15222</Sole>
             <Shared>0</Shared>
             <None>9320</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925652109</cusip>
         <value>9680</value>
         <shrsOrPrnAmt>
             <sshPrnamt>308</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>308</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VIMEO INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>92719V100</cusip>
         <value>1335</value>
         <shrsOrPrnAmt>
             <sshPrnamt>324</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>324</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>187137316</value>
         <shrsOrPrnAmt>
             <sshPrnamt>788013</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>588319</Sole>
             <Shared>0</Shared>
             <None>199694</None>
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     <infoTable>
         <nameOfIssuer>VIRTUS DIVERSIFIED INCM &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92840N100</cusip>
         <value>2817</value>
         <shrsOrPrnAmt>
             <sshPrnamt>141</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>141</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VMWARE INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>928563402</cusip>
         <value>84777</value>
         <shrsOrPrnAmt>
             <sshPrnamt>590</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>590</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VODAFONE GROUP PLC NEW</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>92857W308</cusip>
         <value>207276</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21934</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7076</Sole>
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             <None>14858</None>
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     <infoTable>
         <nameOfIssuer>VONTIER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>928881101</cusip>
         <value>310118</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9628</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2505</Sole>
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             <None>7123</None>
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     <infoTable>
         <nameOfIssuer>VORNADO RLTY TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>929042109</cusip>
         <value>172276</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9497</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6372</Sole>
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             <None>3125</None>
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     <infoTable>
         <nameOfIssuer>VOYA FINANCIAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929089100</cusip>
         <value>2868400</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>40000</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929160109</cusip>
         <value>974624</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4323</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4323</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WD 40 CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929236107</cusip>
         <value>132055</value>
         <shrsOrPrnAmt>
             <sshPrnamt>700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>700</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WSFS FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929328102</cusip>
         <value>1794604</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47577</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>47577</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WPP PLC NEW</nameOfIssuer>
         <titleOfClass>ADR</titleOfClass>
         <cusip>92937A102</cusip>
         <value>1621</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31</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>31</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92939U106</cusip>
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         <nameOfIssuer>DEUTSCHE BANK A G</nameOfIssuer>
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         <value>229840</value>
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             <sshPrnamt>107476</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>51933</Sole>
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             <None>55543</None>
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         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>5835566</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57161</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>51003</Sole>
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             <None>6158</None>
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         <nameOfIssuer>NOBLE CORP PLC</nameOfIssuer>
         <titleOfClass>ORD SHS A</titleOfClass>
         <cusip>G65431127</cusip>
         <value>82372</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1994</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>404</Sole>
             <Shared>0</Shared>
             <None>1590</None>
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     <infoTable>
         <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
         <value>17329</value>
         <shrsOrPrnAmt>
             <sshPrnamt>796</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>446</Sole>
             <Shared>0</Shared>
             <None>350</None>
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     <infoTable>
         <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>2217831</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42923</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>28063</Sole>
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             <None>14860</None>
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     <infoTable>
         <nameOfIssuer>PAGSEGURO DIGITAL LTD</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>G68707101</cusip>
         <value>49400</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5233</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1986</Sole>
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             <None>3247</None>
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         <nameOfIssuer>RENAISSANCERE HLDGS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G7496G103</cusip>
         <value>74608</value>
         <shrsOrPrnAmt>
             <sshPrnamt>400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>400</Sole>
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             <None>0</None>
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         <nameOfIssuer>ROYALTY PHARMA PLC</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G7709Q104</cusip>
         <value>33814</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1100</None>
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         <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G7997R103</cusip>
         <value>334284</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5403</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3283</Sole>
             <Shared>0</Shared>
             <None>2120</None>
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         <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>1702145</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26349</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15386</Sole>
             <Shared>0</Shared>
             <None>10963</None>
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         <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8060N102</cusip>
         <value>152921</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3399</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>614</Sole>
             <Shared>0</Shared>
             <None>2785</None>
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     <infoTable>
         <nameOfIssuer>STERIS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G8473T100</cusip>
         <value>12374</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>55</Sole>
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             <None>0</None>
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         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>3637956</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19021</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1216</Sole>
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             <None>17805</None>
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         <nameOfIssuer>VALARIS LIMITED</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>G9460G101</cusip>
         <value>216039</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3433</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2538</Sole>
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             <None>895</None>
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         <nameOfIssuer>WHITE MTNS INS GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G9618E107</cusip>
         <value>16667</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12</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>12</None>
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     <infoTable>
         <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>391166</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1661</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>370</Sole>
             <Shared>0</Shared>
             <None>1291</None>
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     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>217263</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2646</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>267</Sole>
             <Shared>0</Shared>
             <None>2379</None>
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         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>78246008</value>
         <shrsOrPrnAmt>
             <sshPrnamt>406346</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>281146</Sole>
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             <None>125200</None>
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         <nameOfIssuer>CRISPR THERAPEUTICS AG</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>H17182108</cusip>
         <value>754634</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13442</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10057</Sole>
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             <None>3385</None>
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         <nameOfIssuer>GARMIN LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H2906T109</cusip>
         <value>53</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>1</None>
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         <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H42097107</cusip>
         <value>139255</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6870</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2302</Sole>
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             <None>4568</None>
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         <nameOfIssuer>LOGITECH INTL S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H50430232</cusip>
         <value>283991</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4781</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>4781</None>
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         <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H84989104</cusip>
         <value>314252</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2242</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1044</Sole>
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             <None>1198</None>
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         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>25688</value>
         <shrsOrPrnAmt>
             <sshPrnamt>160</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>160</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M22465104</cusip>
         <value>21607</value>
         <shrsOrPrnAmt>
             <sshPrnamt>172</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>172</None>
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         <nameOfIssuer>ELBIT SYS LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M3760D101</cusip>
         <value>41792</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Shared>0</Shared>
             <None>200</None>
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         <nameOfIssuer>INMODE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M5425M103</cusip>
         <value>187</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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         <nameOfIssuer>AERCAP HOLDINGS NV</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N00985106</cusip>
         <value>421328</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6633</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1535</Sole>
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             <None>5098</None>
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         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>11724184</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16177</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>13152</Sole>
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             <None>3025</None>
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         <nameOfIssuer>CNH INDL N V</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N20944109</cusip>
         <value>203069</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14102</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6410</Sole>
             <Shared>0</Shared>
             <None>7692</None>
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         <nameOfIssuer>FERRARI N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N3167Y103</cusip>
         <value>8455</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>26</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
         <titleOfClass>SHS - A -</titleOfClass>
         <cusip>N53745100</cusip>
         <value>133980</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1459</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>879</Sole>
             <Shared>0</Shared>
             <None>580</None>
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         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>96404</value>
         <shrsOrPrnAmt>
             <sshPrnamt>471</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>410</Sole>
             <Shared>0</Shared>
             <None>61</None>
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     <infoTable>
         <nameOfIssuer>YANDEX N V</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>N97284108</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22546</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15944</Sole>
             <Shared>0</Shared>
             <None>6602</None>
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         <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>V7780T103</cusip>
         <value>74485</value>
         <shrsOrPrnAmt>
             <sshPrnamt>718</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>158</Sole>
             <Shared>0</Shared>
             <None>560</None>
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     <infoTable>
         <nameOfIssuer>FLEX LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>Y2573F102</cusip>
         <value>16252</value>
         <shrsOrPrnAmt>
             <sshPrnamt>588</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>488</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>AFLAC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>001055102</cusip>
         <value>220288</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3156</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2768</Sole>
             <Shared>388</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AGCO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>001084102</cusip>
         <value>615308</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4682</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4682</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>BEST BUY INC</nameOfIssuer>
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         <cusip>086516101</cusip>
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         <nameOfIssuer>BIO-TECHNE CORP</nameOfIssuer>
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         <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN</nameOfIssuer>
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         <nameOfIssuer>BUILDERS FIRSTSOURCE INC</nameOfIssuer>
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         <nameOfIssuer>CB FINL SVCS INC</nameOfIssuer>
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         <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY</nameOfIssuer>
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         <cusip>13646K108</cusip>
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             <Sole>4429</Sole>
             <Shared>238</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>316773100</cusip>
         <value>240109</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9161</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9161</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>FIRST BANCORP INC ME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31866P102</cusip>
         <value>219060</value>
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             <sshPrnamt>9000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9000</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>WTR ETF</titleOfClass>
         <cusip>33733B100</cusip>
         <value>530976</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5995</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5995</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>214954</value>
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             <sshPrnamt>2863</sshPrnamt>
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         <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>33734H106</cusip>
         <value>257577</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6425</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>4425</Sole>
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             <None>0</None>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
         <cusip>33738R506</cusip>
         <value>227492</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4830</sshPrnamt>
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         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4830</Sole>
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             <None>0</None>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FST LOW OPPT EFT</titleOfClass>
         <cusip>33739Q200</cusip>
         <value>238350</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5000</sshPrnamt>
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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>503360</value>
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             <sshPrnamt>22000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <Shared>22000</Shared>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SMID RISNG ETF</titleOfClass>
         <cusip>33741X102</cusip>
         <value>2718382</value>
         <shrsOrPrnAmt>
             <sshPrnamt>96022</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>94222</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>301876</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2393</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2393</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FORTINET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959E109</cusip>
         <value>5315941</value>
         <shrsOrPrnAmt>
             <sshPrnamt>70326</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>59278</Sole>
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             <None>11048</None>
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         <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959J108</cusip>
         <value>611094</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8173</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4296</Sole>
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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>597480</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14937</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>36266G107</cusip>
         <value>224222</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2760</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>2760</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>363576109</cusip>
         <value>245259</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1117</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>1086</Sole>
             <Shared>31</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>369550108</cusip>
         <value>761200</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3538</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2708</Sole>
             <Shared>161</Shared>
             <None>669</None>
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     <infoTable>
         <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>369604301</cusip>
         <value>3186528</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29008</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>28989</Sole>
             <Shared>19</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>370334104</cusip>
         <value>1001088</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13052</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9498</Sole>
             <Shared>3554</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GENTEX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>371901109</cusip>
         <value>327712</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>0</Sole>
             <Shared>11200</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GENMAB A/S</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>372303206</cusip>
         <value>1690798</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44483</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>41206</Sole>
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             <None>3277</None>
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     <infoTable>
         <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>372460105</cusip>
         <value>638504</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3773</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>2554</Sole>
             <Shared>1087</Shared>
             <None>132</None>
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     <infoTable>
         <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>375558103</cusip>
         <value>2267399</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29420</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>75</None>
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         <nameOfIssuer>GLOBE LIFE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>37959E102</cusip>
         <value>1923831</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17550</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>17550</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>2633216</value>
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             <sshPrnamt>8164</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>0</None>
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         <nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>384802104</cusip>
         <value>843791</value>
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             <sshPrnamt>1070</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>879</Sole>
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             <None>16</None>
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     <infoTable>
         <nameOfIssuer>GUIDEWIRE SOFTWARE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>40171V100</cusip>
         <value>1079879</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>14194</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>HBT FINL INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>404111106</cusip>
         <value>217960</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11820</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>HALEON PLC</nameOfIssuer>
         <titleOfClass>SPON ADS</titleOfClass>
         <cusip>405552100</cusip>
         <value>165169</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19710</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>HALLIBURTON CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>406216101</cusip>
         <value>583724</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17694</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>17694</Sole>
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             <None>0</None>
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         <nameOfIssuer>HANNON ARMSTRONG SUST INFR C</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>41068X100</cusip>
         <value>536375</value>
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             <sshPrnamt>21455</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>21222</Sole>
             <Shared>233</Shared>
             <None>0</None>
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         <nameOfIssuer>HEICO CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>422806208</cusip>
         <value>3697076</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>18323</Sole>
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             <None>7972</None>
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         <nameOfIssuer>HERSHEY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>427866108</cusip>
         <value>1542895</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6179</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>5914</Sole>
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             <None>265</None>
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         <nameOfIssuer>HESS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>42809H107</cusip>
         <value>1295195</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9527</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>9500</Sole>
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             <None>0</None>
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         <nameOfIssuer>HILTON WORLDWIDE HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>43300A203</cusip>
         <value>900808</value>
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             <sshPrnamt>6189</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>5896</Sole>
             <Shared>178</Shared>
             <None>115</None>
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         <nameOfIssuer>HOLOGIC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>436440101</cusip>
         <value>503552</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6219</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>6219</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>437076102</cusip>
         <value>13781232</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44364</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>36182</Sole>
             <Shared>2597</Shared>
             <None>5585</None>
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     <infoTable>
         <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>438516106</cusip>
         <value>6559074</value>
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             <sshPrnamt>31610</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>27994</Sole>
             <Shared>3007</Shared>
             <None>609</None>
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         <nameOfIssuer>IAC INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>44891N208</cusip>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>PACCAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>8984</sshPrnamt>
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         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
         <titleOfClass>US CASH COWS 100</titleOfClass>
         <cusip>69374H881</cusip>
         <value>3552910</value>
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             <sshPrnamt>74220</sshPrnamt>
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         <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>701094104</cusip>
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             <sshPrnamt>8028</sshPrnamt>
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         <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>704326107</cusip>
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             <sshPrnamt>5065</sshPrnamt>
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         <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70450Y103</cusip>
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         <nameOfIssuer>PEPSICO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>713448108</cusip>
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             <sshPrnamt>60434</sshPrnamt>
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             <Sole>44101</Sole>
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             <None>7466</None>
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         <nameOfIssuer>PFIZER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>717081103</cusip>
         <value>7435988</value>
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         <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>718172109</cusip>
         <value>2809112</value>
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             <sshPrnamt>28776</sshPrnamt>
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             <Sole>27389</Sole>
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         <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>718546104</cusip>
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             <sshPrnamt>8065</sshPrnamt>
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             <Sole>8065</Sole>
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         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
         <titleOfClass>ACTIVE BD ETF</titleOfClass>
         <cusip>72201R775</cusip>
         <value>5510851</value>
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             <sshPrnamt>60149</sshPrnamt>
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         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
         <titleOfClass>ENHAN SHRT MA AC</titleOfClass>
         <cusip>72201R833</cusip>
         <value>490120</value>
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             <sshPrnamt>4913</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
         <titleOfClass>INTER MUN BD ACT</titleOfClass>
         <cusip>72201R866</cusip>
         <value>4761762</value>
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     <infoTable>
         <nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>723787107</cusip>
         <value>2370553</value>
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             <sshPrnamt>11442</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>POLARIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>731068102</cusip>
         <value>323245</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2673</sshPrnamt>
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         <nameOfIssuer>POOL CORP</nameOfIssuer>
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         <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74144T108</cusip>
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             <sshPrnamt>13093</sshPrnamt>
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         <nameOfIssuer>PRINCIPAL EXCHANGE TRADED FD</nameOfIssuer>
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         <cusip>74255Y888</cusip>
         <value>1653115</value>
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         <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
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         <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>67796</sshPrnamt>
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         <nameOfIssuer>PROSHARES TR</nameOfIssuer>
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         <cusip>74347B680</cusip>
         <value>604884</value>
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         <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74460D109</cusip>
         <value>431398</value>
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         <nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>745867101</cusip>
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         <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>747525103</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
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         <nameOfIssuer>RPM INTL INC</nameOfIssuer>
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         <cusip>749685103</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
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         <cusip>75513E101</cusip>
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         <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>756109104</cusip>
         <value>490934</value>
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         <nameOfIssuer>RED RIVER BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
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         <cusip>75886F107</cusip>
         <value>2861226</value>
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         <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>7591EP100</cusip>
         <value>803664</value>
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         <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>759351604</cusip>
         <value>2187001</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>RELIANCE STEEL &amp; ALUMINUM CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>759509102</cusip>
         <value>710207</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>760759100</cusip>
         <value>411874</value>
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         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2689</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>773903109</cusip>
         <value>2204679</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6692</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6528</Sole>
             <Shared>164</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>776696106</cusip>
         <value>765433</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1592</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1588</Sole>
             <Shared>4</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>778296103</cusip>
         <value>576011</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5137</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1821</Sole>
             <Shared>16</Shared>
             <None>3300</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHELL PLC</nameOfIssuer>
         <titleOfClass>SPON ADS</titleOfClass>
         <cusip>780259305</cusip>
         <value>4045942</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67008</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>66875</Sole>
             <Shared>133</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
         <value>53078637</value>
         <shrsOrPrnAmt>
             <sshPrnamt>132402</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>122799</Sole>
             <Shared>5393</Shared>
             <None>4210</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>78410G104</cusip>
         <value>618798</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2670</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>905</Sole>
             <Shared>11</Shared>
             <None>1754</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SJW GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>784305104</cusip>
         <value>434682</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>6000</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
         <titleOfClass>TR UNIT</titleOfClass>
         <cusip>78462F103</cusip>
         <value>21745986</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49057</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>43706</Sole>
             <Shared>4268</Shared>
             <None>1083</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>756220</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4242</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2602</Sole>
             <Shared>1640</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P REGL BKG</titleOfClass>
         <cusip>78464A698</cusip>
         <value>497472</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12184</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>11842</Sole>
             <Shared>342</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
         <cusip>78464A763</cusip>
         <value>849969</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6934</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6387</Sole>
             <Shared>547</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLI S&amp;P1500</titleOfClass>
         <cusip>78464A805</cusip>
         <value>440419</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8090</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8090</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
         <cusip>78467Y107</cusip>
         <value>2679979</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5596</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5419</Sole>
             <Shared>177</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
         <value>1900582</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20699</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>20699</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG MU</titleOfClass>
         <cusip>78468R721</cusip>
         <value>375096</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8126</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8126</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>433989</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9224</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9224</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>
         <cusip>78468R788</cusip>
         <value>224890</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6065</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6065</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
         <cusip>78468R853</cusip>
         <value>573248</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14759</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>14759</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>5340440</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25279</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>22652</Sole>
             <Shared>2013</Shared>
             <None>614</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SALISBURY BANCORP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>795226109</cusip>
         <value>355350</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>15000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>584861</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4275</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3172</Sole>
             <Shared>45</Shared>
             <None>1058</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM STK</titleOfClass>
         <cusip>806857108</cusip>
         <value>2350981</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47862</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>47762</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>2384640</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42072</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>41340</Sole>
             <Shared>732</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US SML CAP ETF</titleOfClass>
         <cusip>808524607</cusip>
         <value>657262</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15006</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>15006</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTERNL DIVID</titleOfClass>
         <cusip>808524672</cusip>
         <value>2355097</value>
         <shrsOrPrnAmt>
             <sshPrnamt>98375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>62935</Sole>
             <Shared>35145</Shared>
             <None>295</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>8951285</value>
         <shrsOrPrnAmt>
             <sshPrnamt>123262</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>118997</Sole>
             <Shared>3985</Shared>
             <None>280</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US REIT ETF</titleOfClass>
         <cusip>808524847</cusip>
         <value>453525</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23222</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>21238</Sole>
             <Shared>0</Shared>
             <None>1984</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INT-TRM U.S TRES</titleOfClass>
         <cusip>808524854</cusip>
         <value>1755746</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35628</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>33775</Sole>
             <Shared>1161</Shared>
             <None>692</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>1547003</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32189</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>31430</Sole>
             <Shared>244</Shared>
             <None>515</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>689797</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5197</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2610</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>744443</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>566655</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>947740</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11676</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8826</Sole>
             <Shared>2850</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>719371</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21340</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>19740</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>1647683</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15353</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>13739</Sole>
             <Shared>1614</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>874863</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>1657266</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43971</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <cusip>902973304</cusip>
         <value>3596106</value>
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         <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90353T100</cusip>
         <value>272919</value>
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         <nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90384S303</cusip>
         <value>689421</value>
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             <None>0</None>
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         <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
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         <value>959191</value>
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         <nameOfIssuer>UNITED BANKSHARES INC WEST V</nameOfIssuer>
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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>VALERO ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>919794107</cusip>
         <value>116250</value>
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         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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         <cusip>92189F437</cusip>
         <value>491389</value>
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         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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         <cusip>92189F528</cusip>
         <value>342003</value>
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         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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         <cusip>92189H201</cusip>
         <value>1356853</value>
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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>
         <cusip>921908844</cusip>
         <value>16364009</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
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         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</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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         <cusip>921937827</cusip>
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         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>2071737</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28501</sshPrnamt>
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         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
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         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
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         <cusip>921946406</cusip>
         <value>29055860</value>
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         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL DVD ETF</titleOfClass>
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         <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
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         <cusip>922020805</cusip>
         <value>209738</value>
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         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>GLB EX US ETF</titleOfClass>
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             <sshPrnamt>21371</sshPrnamt>
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         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
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         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>CONSUM DIS ETF</titleOfClass>
         <cusip>92204A108</cusip>
         <value>352867</value>
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         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
         <value>1260642</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>326991</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4025</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>4025</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
         <value>257061</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1050</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1050</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>INF TECH ETF</titleOfClass>
         <cusip>92204A702</cusip>
         <value>544740</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1232</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1232</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>UTILITIES ETF</titleOfClass>
         <cusip>92204A876</cusip>
         <value>291448</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2050</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>800</Sole>
             <Shared>1250</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>4353021</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57534</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>53591</Sole>
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             <None>3506</None>
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         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
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         <votingAuthority>
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             <None>0</None>
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         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000IDX</titleOfClass>
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         <value>1636263</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8118</sshPrnamt>
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             <None>65</None>
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         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
         <cusip>92206C771</cusip>
         <value>1988699</value>
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             <sshPrnamt>43242</sshPrnamt>
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         <otherManager>5</otherManager>
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             <None>2842</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>LG-TERM COR BD</titleOfClass>
         <cusip>92206C813</cusip>
         <value>284526</value>
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             <sshPrnamt>3625</sshPrnamt>
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         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
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     <infoTable>
         <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>922475108</cusip>
         <value>924782</value>
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             <sshPrnamt>4677</sshPrnamt>
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             <Sole>4677</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
         <titleOfClass>TAX EXEMPT BD</titleOfClass>
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             <sshPrnamt>52781</sshPrnamt>
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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>8860376</value>
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             <sshPrnamt>21755</sshPrnamt>
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             <None>65</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>9837848</value>
         <shrsOrPrnAmt>
             <sshPrnamt>71093</sshPrnamt>
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         <otherManager>5</otherManager>
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             <None>272</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>9038240</value>
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             <sshPrnamt>43924</sshPrnamt>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>2444881</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29259</sshPrnamt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>4106601</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17875</sshPrnamt>
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     <infoTable>
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         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>5204641</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31467</sshPrnamt>
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         <otherManager>5</otherManager>
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             <Sole>21289</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>4011094</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18219</sshPrnamt>
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         <otherManager>5</otherManager>
         <votingAuthority>
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             <Shared>1884</Shared>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>37061534</value>
         <shrsOrPrnAmt>
             <sshPrnamt>130978</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>79447</Sole>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>11389740</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80153</sshPrnamt>
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         <votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>4109266</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20661</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>20101</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>1791536</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8133</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>965</None>
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     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>3606463</value>
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         <votingAuthority>
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         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <votingAuthority>
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             <None>1863</None>
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         <nameOfIssuer>VIRTU FINL INC</nameOfIssuer>
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         <value>321873</value>
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             <None>0</None>
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         <nameOfIssuer>VISA INC</nameOfIssuer>
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         <value>18539113</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>VOYA FINANCIAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929089100</cusip>
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         <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
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         <votingAuthority>
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             <None>8279</None>
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         <nameOfIssuer>WNS HLDGS LTD</nameOfIssuer>
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         <value>368526</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>WALMART INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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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>304300</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>2319324</value>
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             <sshPrnamt>16227</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>9906</None>
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         <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106L109</cusip>
         <value>2170177</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>1217</None>
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     <infoTable>
         <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>949746101</cusip>
         <value>2668267</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>14000</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>955306105</cusip>
         <value>1179155</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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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>1527150</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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         <nameOfIssuer>WILLIAMS COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>969457100</cusip>
         <value>936643</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>561723</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>11754</Sole>
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             <None>0</None>
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         <nameOfIssuer>WOODWARD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>980745103</cusip>
         <value>720594</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6060</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>WORKIVA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>98139A105</cusip>
         <value>337104</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3316</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>3316</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>XCEL ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98389B100</cusip>
         <value>275288</value>
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             <sshPrnamt>4428</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4428</Sole>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>988498101</cusip>
         <value>1545663</value>
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             <sshPrnamt>11156</sshPrnamt>
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             <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>549010</value>
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             <sshPrnamt>9717</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <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>2310525</value>
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             <sshPrnamt>15869</sshPrnamt>
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         <nameOfIssuer>ZOETIS INC</nameOfIssuer>
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         <cusip>98978V103</cusip>
         <value>2636017</value>
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             <sshPrnamt>15307</sshPrnamt>
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         <nameOfIssuer>AON PLC</nameOfIssuer>
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         <value>4069216</value>
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         <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
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         <nameOfIssuer>ASSURED GUARANTY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G0585R106</cusip>
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             <Sole>4500</Sole>
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         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>7938529</value>
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             <sshPrnamt>25726</sshPrnamt>
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         <nameOfIssuer>CLARIVATE PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G21810109</cusip>
         <value>153031</value>
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             <sshPrnamt>16058</sshPrnamt>
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         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>8367368</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41608</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G46188101</cusip>
         <value>308550</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3000</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>3000</Sole>
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         <nameOfIssuer>ICON PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G4705A100</cusip>
         <value>202661</value>
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             <sshPrnamt>810</sshPrnamt>
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             <Sole>810</Sole>
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         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>9280440</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24353</sshPrnamt>
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         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>1250138</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14190</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>13072</Sole>
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         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>725655</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7108</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>774067</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14981</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>816106</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4267</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>336978</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4104</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>6249727</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
         <value>362059</value>
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             <sshPrnamt>2316</sshPrnamt>
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         <nameOfIssuer>AERCAP HOLDINGS NV</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N00985106</cusip>
         <value>916402</value>
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             <sshPrnamt>14427</sshPrnamt>
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         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>839985</value>
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         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>725590</value>
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         <nameOfIssuer>DIANA SHIPPING INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>Y2066G104</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>FLEX LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>Y2573F102</cusip>
         <value>359734</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>AAR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>000361105</cusip>
         <value>299080</value>
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             <sshPrnamt>5178</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>002824100</cusip>
         <value>1784766</value>
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         <nameOfIssuer>ABBVIE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00287Y109</cusip>
         <value>723499</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ADDUS HOMECARE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>006739106</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>007973100</cusip>
         <value>254662</value>
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         <nameOfIssuer>ALBANY INTL CORP</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>012348108</cusip>
         <value>266686</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ALIGN TECHNOLOGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>016255101</cusip>
         <value>718950</value>
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             <sshPrnamt>2033</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>020002101</cusip>
         <value>961841</value>
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             <sshPrnamt>8821</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>02079K107</cusip>
         <value>5032714</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>023135106</cusip>
         <value>5407853</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>60646V105</cusip>
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             <None>0</None>
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         <nameOfIssuer>MONSTER BEVERAGE CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>61174X109</cusip>
         <value>380367</value>
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             <sshPrnamt>6622</sshPrnamt>
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             <None>1252</None>
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         <nameOfIssuer>MOOG INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>615394202</cusip>
         <value>285495</value>
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             <sshPrnamt>2633</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>62944T105</cusip>
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             <sshPrnamt>285</sshPrnamt>
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         <nameOfIssuer>NASDAQ INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>631103108</cusip>
         <value>780949</value>
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         <nameOfIssuer>NETFLIX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>64110L106</cusip>
         <value>602590</value>
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             <sshPrnamt>1368</sshPrnamt>
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         <otherManager>6</otherManager>
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             <None>230</None>
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         <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>65339F101</cusip>
         <value>223045</value>
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             <sshPrnamt>3006</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>500</None>
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         <nameOfIssuer>NIKE INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>654106103</cusip>
         <value>1370242</value>
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         <cusip>66987V109</cusip>
         <value>677812</value>
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             <sshPrnamt>6717</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
         <value>5486991</value>
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             <sshPrnamt>12971</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>OCEANEERING INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>675232102</cusip>
         <value>230683</value>
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         <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>681116109</cusip>
         <value>242668</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>68389X105</cusip>
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         <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>516896</value>
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             <sshPrnamt>2023</sshPrnamt>
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         <nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>701094104</cusip>
         <value>1390491</value>
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             <sshPrnamt>3565</sshPrnamt>
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             <None>84</None>
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         <nameOfIssuer>PARSONS CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70202L102</cusip>
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             <sshPrnamt>6773</sshPrnamt>
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         <nameOfIssuer>PAYLOCITY HLDG CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70438V106</cusip>
         <value>256127</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>70450Y103</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>713448108</cusip>
         <value>3499916</value>
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         <nameOfIssuer>PFIZER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>717081103</cusip>
         <value>840007</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>PLAINS ALL AMERN PIPELINE L</nameOfIssuer>
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         <cusip>726503105</cusip>
         <value>176038</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>729132100</cusip>
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         <nameOfIssuer>QUALYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74758T303</cusip>
         <value>237156</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
         <value>2170597</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>758750103</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
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         <cusip>759351604</cusip>
         <value>296657</value>
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         <nameOfIssuer>RENTOKIL INITIAL PLC</nameOfIssuer>
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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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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>2088</Sole>
             <Shared>95</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>984814</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>13602</Sole>
             <Shared>3773</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>1255962</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17295</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>17295</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCOTTS MIRACLE-GRO CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>810186106</cusip>
         <value>245619</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3918</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3774</Sole>
             <Shared>0</Shared>
             <None>144</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>455927</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>546441</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>3062736</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>5450</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>975254</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3673</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3209</Sole>
             <Shared>203</Shared>
             <None>261</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>833445109</cusip>
         <value>594460</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3378</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3378</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONY GROUP CORPORATION</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>835699307</cusip>
         <value>1352580</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15022</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>15022</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHSTATE CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>840441109</cusip>
         <value>256553</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3899</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3758</Sole>
             <Shared>0</Shared>
             <None>141</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPLUNK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>848637104</cusip>
         <value>221409</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2087</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>1664</Sole>
             <Shared>22</Shared>
             <None>401</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STAG INDL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>85254J102</cusip>
         <value>262963</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7329</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>7060</Sole>
             <Shared>0</Shared>
             <None>269</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
         <value>1943557</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19620</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>18718</Sole>
             <Shared>375</Shared>
             <None>527</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
         <value>3653147</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11974</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>11378</Sole>
             <Shared>142</Shared>
             <None>454</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872540109</cusip>
         <value>2158159</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25453</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>23237</Sole>
             <Shared>1510</Shared>
             <None>706</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TARGET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612E106</cusip>
         <value>708039</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5368</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>5242</Sole>
             <Shared>0</Shared>
             <None>126</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TARGA RES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612G101</cusip>
         <value>236214</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>1509647</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8386</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>7522</Sole>
             <Shared>671</Shared>
             <None>193</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THE TRADE DESK INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>88339J105</cusip>
         <value>1200153</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15542</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>15542</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>883556102</cusip>
         <value>1777080</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3406</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>2955</Sole>
             <Shared>230</Shared>
             <None>221</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THOUGHTWORKS HOLDING INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88546E105</cusip>
         <value>78693</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>231113</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2525</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>2434</Sole>
             <Shared>0</Shared>
             <None>91</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>89151E109</cusip>
         <value>787420</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13661</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>13661</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRANSUNION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89400J107</cusip>
         <value>806877</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10301</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>10149</Sole>
             <Shared>152</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>89832Q109</cusip>
         <value>1218279</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40141</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>39055</Sole>
             <Shared>0</Shared>
             <None>1086</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90353T100</cusip>
         <value>260616</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6037</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>4910</Sole>
             <Shared>0</Shared>
             <None>1127</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90384S303</cusip>
         <value>1035779</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2201</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>2201</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>904767704</cusip>
         <value>762922</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14635</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>11842</Sole>
             <Shared>2793</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>907818108</cusip>
         <value>1234267</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6032</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>5839</Sole>
             <Shared>58</Shared>
             <None>135</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITED CMNTY BKS BLAIRSVLE G</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90984P303</cusip>
         <value>209915</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>8097</Sole>
             <Shared>0</Shared>
             <None>303</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>911312106</cusip>
         <value>336272</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1876</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>1493</Sole>
             <Shared>93</Shared>
             <None>290</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91324P102</cusip>
         <value>2328700</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4845</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3780</Sole>
             <Shared>854</Shared>
             <None>211</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
         <titleOfClass>VG TL INTL STK F</titleOfClass>
         <cusip>921909768</cusip>
         <value>597475</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>424394</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9190</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>9190</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>1798946</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16960</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>12495</Sole>
             <Shared>4175</Shared>
             <None>290</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>7117534</value>
         <shrsOrPrnAmt>
             <sshPrnamt>174964</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>172104</Sole>
             <Shared>2860</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>5646936</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13865</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>13810</Sole>
             <Shared>0</Shared>
             <None>55</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
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         <value>334271</value>
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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>G25839104</cusip>
         <value>791071</value>
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         <cusip>G29183103</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>SHS</titleOfClass>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>937295</value>
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         <cusip>G6095L109</cusip>
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         <cusip>N07059210</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <value>3375</value>
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         <cusip>486606106</cusip>
         <value>13358</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>48801409</value>
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         <value>794</value>
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         <value>53754</value>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>ORACLE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68389X105</cusip>
         <value>71790612</value>
         <shrsOrPrnAmt>
             <sshPrnamt>602830</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>576047</Sole>
             <Shared>0</Shared>
             <None>26783</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>68622V106</cusip>
         <value>1041</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>50</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PPG INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693506107</cusip>
         <value>8750</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>59</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>701094104</cusip>
         <value>21062</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>54</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>704326107</cusip>
         <value>127532</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1140</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1140</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70450Y103</cusip>
         <value>400</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>6</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PEMBINA PIPELINE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>706327103</cusip>
         <value>25152</value>
         <shrsOrPrnAmt>
             <sshPrnamt>800</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>800</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PEPSICO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>713448108</cusip>
         <value>215197021</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1161847</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1116187</Sole>
             <Shared>0</Shared>
             <None>45660</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PFIZER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>717081103</cusip>
         <value>121155575</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3303033</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>3179442</Sole>
             <Shared>0</Shared>
             <None>123591</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>718172109</cusip>
         <value>4588</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>47</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>718546104</cusip>
         <value>50933</value>
         <shrsOrPrnAmt>
             <sshPrnamt>534</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>534</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>723787107</cusip>
         <value>622</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>3</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74144T108</cusip>
         <value>4369</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>39</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>742718109</cusip>
         <value>171874283</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1132691</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1090811</Sole>
             <Shared>0</Shared>
             <None>41880</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>744320102</cusip>
         <value>4323</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>49</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>747525103</cusip>
         <value>21070</value>
         <shrsOrPrnAmt>
             <sshPrnamt>177</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>177</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
         <value>140475</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1434</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1061</Sole>
             <Shared>0</Shared>
             <None>373</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>760759100</cusip>
         <value>73368</value>
         <shrsOrPrnAmt>
             <sshPrnamt>479</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>479</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>773903109</cusip>
         <value>98835</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>15698</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>SHELL PLC</nameOfIssuer>
         <titleOfClass>SPON ADS</titleOfClass>
         <cusip>780259305</cusip>
         <value>1026</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>17</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>30258874</value>
         <shrsOrPrnAmt>
             <sshPrnamt>169739</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>157621</Sole>
             <Shared>0</Shared>
             <None>12118</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
         <value>9040505</value>
         <shrsOrPrnAmt>
             <sshPrnamt>98459</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>97029</Sole>
             <Shared>0</Shared>
             <None>1430</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG MU</titleOfClass>
         <cusip>78468R721</cusip>
         <value>3780596</value>
         <shrsOrPrnAmt>
             <sshPrnamt>81902</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>74899</Sole>
             <Shared>0</Shared>
             <None>7003</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>6611184</value>
         <shrsOrPrnAmt>
             <sshPrnamt>140514</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>128555</Sole>
             <Shared>0</Shared>
             <None>11959</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SABRA HEALTH CARE REIT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78573L106</cusip>
         <value>271</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>23</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806407102</cusip>
         <value>38205461</value>
         <shrsOrPrnAmt>
             <sshPrnamt>471094</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>450337</Sole>
             <Shared>0</Shared>
             <None>20757</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>11336</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>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>2221828</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26811</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>25477</Sole>
             <Shared>0</Shared>
             <None>1334</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>13691403</value>
         <shrsOrPrnAmt>
             <sshPrnamt>103152</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>97954</Sole>
             <Shared>0</Shared>
             <None>5198</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>4327066</value>
         <shrsOrPrnAmt>
             <sshPrnamt>58340</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>54971</Sole>
             <Shared>0</Shared>
             <None>3369</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>10220368</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60187</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>56906</Sole>
             <Shared>0</Shared>
             <None>3281</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>2357177</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29040</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>27547</Sole>
             <Shared>0</Shared>
             <None>1493</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>9361759</value>
         <shrsOrPrnAmt>
             <sshPrnamt>277715</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>263917</Sole>
             <Shared>0</Shared>
             <None>13798</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-INDS</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>10642303</value>
         <shrsOrPrnAmt>
             <sshPrnamt>99164</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>94115</Sole>
             <Shared>0</Shared>
             <None>5049</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>24824982</value>
         <shrsOrPrnAmt>
             <sshPrnamt>142787</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>135921</Sole>
             <Shared>0</Shared>
             <None>6866</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>5207571</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80018</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>76422</Sole>
             <Shared>0</Shared>
             <None>3596</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>3320556</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50742</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
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             <None>0</None>
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             <None>68032</None>
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         <value>2276</value>
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         <cusip>92206C771</cusip>
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         <titleOfClass>COM</titleOfClass>
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             <None>41171</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>949746101</cusip>
         <value>427</value>
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</SEC-DOCUMENT>
