<SEC-DOCUMENT>0000720672-23-000014.txt : 20231113
<SEC-HEADER>0000720672-23-000014.hdr.sgml : 20231113
<ACCEPTANCE-DATETIME>20231113143800
ACCESSION NUMBER:		0000720672-23-000014
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20230930
FILED AS OF DATE:		20231113
DATE AS OF CHANGE:		20231113
EFFECTIVENESS DATE:		20231113

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:		231397835

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

	MAIL ADDRESS:	
		STREET 1:		ATTN: JAMES G. LASCHOBER
		STREET 2:		501 N. BROADWAY
		CITY:			ST. LOUIS
		STATE:			MO
		ZIP:			63102-2102
</SEC-HEADER>
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<TYPE>13F-HR
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          <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>11-13-2023</signatureDate>
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         <cusip>32051X108</cusip>
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             <None>871</None>
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         <nameOfIssuer>FIRST INTST BANCSYSTEM INC</nameOfIssuer>
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         <value>16211</value>
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         <titleOfClass>COM</titleOfClass>
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             <None>976</None>
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             <None>1659</None>
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         <nameOfIssuer>FIVE BELOW INC</nameOfIssuer>
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             <None>583</None>
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         <nameOfIssuer>FIVE9 INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>22956</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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             <None>357</None>
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             <None>39</None>
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         <nameOfIssuer>FLOOR &amp; DECOR HLDGS INC</nameOfIssuer>
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             <None>555</None>
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             <None>152</None>
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         <nameOfIssuer>FLUSHING FINL CORP</nameOfIssuer>
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             <None>2172</None>
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             <None>263</None>
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         <nameOfIssuer>FRANKLIN ELEC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <None>57</None>
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         <nameOfIssuer>FRANKLIN RESOURCES INC</nameOfIssuer>
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             <None>665</None>
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         <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
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             <None>313</None>
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             <None>887</None>
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         <nameOfIssuer>G III APPAREL GROUP LTD</nameOfIssuer>
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         <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I</nameOfIssuer>
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         <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
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         <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC</nameOfIssuer>
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             <None>77</None>
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             <None>1146</None>
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             <None>175</None>
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             <None>426</None>
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             <None>2525</None>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>863</None>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>347</None>
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         <value>1693</value>
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             <sshPrnamt>48</sshPrnamt>
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             <None>48</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>372460105</cusip>
         <value>19203</value>
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             <sshPrnamt>133</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>133</None>
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         <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>375558103</cusip>
         <value>260791</value>
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             <None>3480</None>
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         <nameOfIssuer>GLACIER BANCORP INC NEW</nameOfIssuer>
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         <cusip>37637Q105</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>126</None>
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         <value>23527</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>649</None>
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         <nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>37940X102</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>74</None>
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         <nameOfIssuer>ROBERT HALF INC.</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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             <None>1552</None>
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         <votingAuthority>
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             <Shared>0</Shared>
             <None>780</None>
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     <infoTable>
         <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>904767704</cusip>
         <value>114361</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2315</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>2315</None>
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         <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>907818108</cusip>
         <value>95095</value>
         <shrsOrPrnAmt>
             <sshPrnamt>467</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>467</None>
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     <infoTable>
         <nameOfIssuer>UNITED CMNTY BKS BLAIRSVLE G</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90984P303</cusip>
         <value>3812</value>
         <shrsOrPrnAmt>
             <sshPrnamt>150</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>150</None>
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     <infoTable>
         <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>911312106</cusip>
         <value>149013</value>
         <shrsOrPrnAmt>
             <sshPrnamt>956</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>956</None>
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         <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>911363109</cusip>
         <value>7113</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>16</None>
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         <nameOfIssuer>UNITED THERAPEUTICS CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91307C102</cusip>
         <value>9712</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>43</None>
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         <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91324P102</cusip>
         <value>276296</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>5650</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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         <nameOfIssuer>UNIVERSAL DISPLAY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91347P105</cusip>
         <value>7379</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>28776</value>
         <shrsOrPrnAmt>
             <sshPrnamt>585</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>585</None>
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         <nameOfIssuer>V F CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>918204108</cusip>
         <value>2792</value>
         <shrsOrPrnAmt>
             <sshPrnamt>158</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>158</None>
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         <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91913Y100</cusip>
         <value>37836</value>
         <shrsOrPrnAmt>
             <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>5287</value>
         <shrsOrPrnAmt>
             <sshPrnamt>164</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>164</None>
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         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
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         <value>217551</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
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             <None>4976</None>
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         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
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             <sshPrnamt>27</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>27</None>
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         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
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         <cusip>92206C102</cusip>
         <value>296294</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>5144</None>
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         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
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         <cusip>92206C664</cusip>
         <value>1000</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14</sshPrnamt>
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             <None>14</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
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         <cusip>92206C771</cusip>
         <value>1883</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>43</None>
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     <infoTable>
         <nameOfIssuer>VECTOR GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92240M108</cusip>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>148</None>
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     <infoTable>
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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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         <value>12302</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>292</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
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         <cusip>922908363</cusip>
         <value>3142</value>
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             <None>8</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
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         <cusip>922908512</cusip>
         <value>393</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>584</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3</sshPrnamt>
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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>229816</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1073</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1073</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>263317</value>
         <shrsOrPrnAmt>
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             <None>1651</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>172644</value>
         <shrsOrPrnAmt>
             <sshPrnamt>634</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>634</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>4276</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31</sshPrnamt>
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             <None>31</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>1699</value>
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             <sshPrnamt>8</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>8</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92343E102</cusip>
         <value>3848</value>
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             <sshPrnamt>19</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>19</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>337355</value>
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             <sshPrnamt>10409</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <None>10409</None>
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     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>49138</value>
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             <sshPrnamt>208</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>208</None>
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     <infoTable>
         <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92532F100</cusip>
         <value>51813</value>
         <shrsOrPrnAmt>
             <sshPrnamt>149</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>149</None>
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     <infoTable>
         <nameOfIssuer>PARAMOUNT GLOBAL</nameOfIssuer>
         <titleOfClass>CLASS B COM</titleOfClass>
         <cusip>92556H206</cusip>
         <value>5186</value>
         <shrsOrPrnAmt>
             <sshPrnamt>402</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>402</None>
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     <infoTable>
         <nameOfIssuer>VIATRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>22609</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2293</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>2293</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925652109</cusip>
         <value>7013</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>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICTORY CAP HLDGS INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92645B103</cusip>
         <value>3234</value>
         <shrsOrPrnAmt>
             <sshPrnamt>97</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>97</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>VIRTU FINL INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>928254101</cusip>
         <value>14714</value>
         <shrsOrPrnAmt>
             <sshPrnamt>852</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>852</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>238290</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1036</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1036</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>VISHAY INTERTECHNOLOGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>928298108</cusip>
         <value>13526</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>ZIONS BANCORPORATION N A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>989701107</cusip>
         <value>94343</value>
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             <sshPrnamt>2704</sshPrnamt>
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             <None>2704</None>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>98978V103</cusip>
         <value>39319</value>
         <shrsOrPrnAmt>
             <sshPrnamt>226</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>226</None>
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         <nameOfIssuer>ZOOMINFO TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>98980F104</cusip>
         <value>16449</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1003</sshPrnamt>
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             <None>1003</None>
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         <nameOfIssuer>ZOOM VIDEO COMMUNICATIONS IN</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>98980L101</cusip>
         <value>2378</value>
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             <sshPrnamt>34</sshPrnamt>
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         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G0176J109</cusip>
         <value>8649</value>
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             <sshPrnamt>83</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G02602103</cusip>
         <value>26952</value>
         <shrsOrPrnAmt>
             <sshPrnamt>319</sshPrnamt>
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             <None>319</None>
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         <cusip>G0403H108</cusip>
         <value>40853</value>
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             <sshPrnamt>126</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>126</None>
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         <nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G0692U109</cusip>
         <value>4961</value>
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             <sshPrnamt>88</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>88</None>
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         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>117624</value>
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             <sshPrnamt>383</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>383</None>
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         <nameOfIssuer>BUNGE LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G16962105</cusip>
         <value>4438</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>41</None>
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         <nameOfIssuer>CLARIVATE PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G21810109</cusip>
         <value>3791</value>
         <shrsOrPrnAmt>
             <sshPrnamt>565</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>565</None>
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         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>37537</value>
         <shrsOrPrnAmt>
             <sshPrnamt>176</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
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             <None>176</None>
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         <nameOfIssuer>FABRINET</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3323L100</cusip>
         <value>4166</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>25</None>
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         <nameOfIssuer>FERGUSON PLC NEW</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3421J106</cusip>
         <value>6743</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>41</None>
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     <infoTable>
         <nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer>
         <titleOfClass>ORDINARY SHARES</titleOfClass>
         <cusip>G39387108</cusip>
         <value>10649</value>
         <shrsOrPrnAmt>
             <sshPrnamt>183</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>183</None>
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         <nameOfIssuer>GRAB HOLDINGS LIMITED</nameOfIssuer>
         <titleOfClass>CLASS A ORD</titleOfClass>
         <cusip>G4124C109</cusip>
         <value>20178</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>5700</None>
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         <nameOfIssuer>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G46188101</cusip>
         <value>6363</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>55</None>
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         <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>138399</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2601</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>2601</None>
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         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>244054</value>
         <shrsOrPrnAmt>
             <sshPrnamt>655</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>655</None>
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         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>156722</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>2000</None>
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         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>12324</value>
         <shrsOrPrnAmt>
             <sshPrnamt>125</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
         <value>8389</value>
         <shrsOrPrnAmt>
             <sshPrnamt>509</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>509</None>
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         <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>6571</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>124</None>
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         <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G7997R103</cusip>
         <value>13190</value>
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             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>200</None>
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         <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>3561</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>55</None>
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         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>38350</value>
         <shrsOrPrnAmt>
             <sshPrnamt>189</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>189</None>
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         <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>2716</value>
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             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>13</None>
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         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>15335</value>
         <shrsOrPrnAmt>
             <sshPrnamt>199</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>199</None>
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         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>77860</value>
         <shrsOrPrnAmt>
             <sshPrnamt>374</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>374</None>
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         <nameOfIssuer>GARMIN LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H2906T109</cusip>
         <value>4524</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>43</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>H42097107</cusip>
         <value>30713</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1246</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1246</None>
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         <nameOfIssuer>LOGITECH INTL S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H50430232</cusip>
         <value>2758</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>40</None>
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         <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H84989104</cusip>
         <value>3829</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>31</None>
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         <nameOfIssuer>GLOBANT S A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>L44385109</cusip>
         <value>93583</value>
         <shrsOrPrnAmt>
             <sshPrnamt>473</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
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             <None>473</None>
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         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>7268</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>47</None>
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     <infoTable>
         <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M22465104</cusip>
         <value>31854</value>
         <shrsOrPrnAmt>
             <sshPrnamt>239</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>239</None>
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     <infoTable>
         <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
         <value>8188</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>50</None>
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     <infoTable>
         <nameOfIssuer>GLOBAL E ONLINE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M5216V106</cusip>
         <value>1391</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>35</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ICL GROUP LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M53213100</cusip>
         <value>21640</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3899</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>3899</None>
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     <infoTable>
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         <nameOfIssuer>DAVIS FUNDAMENTAL ETF TR</nameOfIssuer>
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         <cusip>25434V203</cusip>
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     <infoTable>
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         <titleOfClass>US EQUITY ETF</titleOfClass>
         <cusip>25434V401</cusip>
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         <titleOfClass>US SMALL CAP ETF</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>19671</sshPrnamt>
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         <cusip>25434V609</cusip>
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         <otherManager>1</otherManager>
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         <titleOfClass>US MKTWIDE VALUE</titleOfClass>
         <cusip>25434V724</cusip>
         <value>448858</value>
         <shrsOrPrnAmt>
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     <infoTable>
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         <cusip>25434V799</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>225462</sshPrnamt>
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         <titleOfClass>INTERNATNAL VAL</titleOfClass>
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     <infoTable>
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         <titleOfClass>WORLD EX US CORE</titleOfClass>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
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         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>320817109</cusip>
         <value>869662</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31260</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>27679</Sole>
             <Shared>0</Shared>
             <None>3581</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST NATL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32106V107</cusip>
         <value>343043</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19480</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19480</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>336433107</cusip>
         <value>4706799</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29128</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>26723</Sole>
             <Shared>0</Shared>
             <None>2405</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MORNINGSTAR DIVID L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>336917109</cusip>
         <value>47431807</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1418416</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1381521</Sole>
             <Shared>0</Shared>
             <None>36895</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>US EQTY OPPT ETF</titleOfClass>
         <cusip>336920103</cusip>
         <value>2498117</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29747</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>24385</Sole>
             <Shared>0</Shared>
             <None>5362</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR DOW JONES SELECT MI</nameOfIssuer>
         <titleOfClass>COM SHS ANNUAL</titleOfClass>
         <cusip>33718M105</cusip>
         <value>829281</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15138</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15138</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>757196</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50819</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>44519</Sole>
             <Shared>0</Shared>
             <None>6300</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR ENHANCED EQUITY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337318109</cusip>
         <value>187621</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>403460</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13898</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13898</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>7703768</value>
         <shrsOrPrnAmt>
             <sshPrnamt>93090</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>92880</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>7337966</value>
         <shrsOrPrnAmt>
             <sshPrnamt>105324</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>99467</Sole>
             <Shared>0</Shared>
             <None>5857</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>CAP STRENGTH ETF</titleOfClass>
         <cusip>33733E104</cusip>
         <value>64917621</value>
         <shrsOrPrnAmt>
             <sshPrnamt>881668</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>848373</Sole>
             <Shared>0</Shared>
             <None>33295</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NY ARCA BIOTECH</titleOfClass>
         <cusip>33733E203</cusip>
         <value>5914568</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40414</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>39405</Sole>
             <Shared>0</Shared>
             <None>1009</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DJ INTERNT IDX</titleOfClass>
         <cusip>33733E302</cusip>
         <value>22875536</value>
         <shrsOrPrnAmt>
             <sshPrnamt>143323</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>136642</Sole>
             <Shared>0</Shared>
             <None>6681</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ 100 EX</titleOfClass>
         <cusip>33733E401</cusip>
         <value>658074</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8087</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7987</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>2193113</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51442</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>50418</Sole>
             <Shared>0</Shared>
             <None>1024</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAT GAS ETF</titleOfClass>
         <cusip>33733E807</cusip>
         <value>5788056</value>
         <shrsOrPrnAmt>
             <sshPrnamt>222705</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>222495</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>244108</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9910</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9910</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>458305</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4577</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4577</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>1164581</value>
         <shrsOrPrnAmt>
             <sshPrnamt>116459</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>101903</Sole>
             <Shared>0</Shared>
             <None>14556</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337344105</cusip>
         <value>15555170</value>
         <shrsOrPrnAmt>
             <sshPrnamt>149581</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>149248</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>7804798</value>
         <shrsOrPrnAmt>
             <sshPrnamt>53724</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>49926</Sole>
             <Shared>0</Shared>
             <None>3798</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR S&amp;P REIT INDEX FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33734G108</cusip>
         <value>1595601</value>
         <shrsOrPrnAmt>
             <sshPrnamt>69829</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>69429</Sole>
             <Shared>0</Shared>
             <None>400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>33734H106</cusip>
         <value>131740057</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3523413</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3462790</Sole>
             <Shared>0</Shared>
             <None>60623</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR LRGE CP CORE ALPHA</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33734K109</cusip>
         <value>1148984</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14168</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11296</Sole>
             <Shared>0</Shared>
             <None>2872</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CONSUMR DISCRE</titleOfClass>
         <cusip>33734X101</cusip>
         <value>6936620</value>
         <shrsOrPrnAmt>
             <sshPrnamt>135983</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>127395</Sole>
             <Shared>0</Shared>
             <None>8588</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CONSUMR STAPLE</titleOfClass>
         <cusip>33734X119</cusip>
         <value>5061901</value>
         <shrsOrPrnAmt>
             <sshPrnamt>83887</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>81836</Sole>
             <Shared>0</Shared>
             <None>2051</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>ENERGY ALPHADX</titleOfClass>
         <cusip>33734X127</cusip>
         <value>5077716</value>
         <shrsOrPrnAmt>
             <sshPrnamt>291490</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>284028</Sole>
             <Shared>0</Shared>
             <None>7462</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>FINLS ALPHADEX</titleOfClass>
         <cusip>33734X135</cusip>
         <value>7796404</value>
         <shrsOrPrnAmt>
             <sshPrnamt>206091</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>202936</Sole>
             <Shared>0</Shared>
             <None>3155</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>HLTH CARE ALPH</titleOfClass>
         <cusip>33734X143</cusip>
         <value>5613798</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57777</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>53811</Sole>
             <Shared>0</Shared>
             <None>3966</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDLS PROD DUR</titleOfClass>
         <cusip>33734X150</cusip>
         <value>8194152</value>
         <shrsOrPrnAmt>
             <sshPrnamt>142670</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>132957</Sole>
             <Shared>0</Shared>
             <None>9713</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>MATERIALS ALPH</titleOfClass>
         <cusip>33734X168</cusip>
         <value>9139474</value>
         <shrsOrPrnAmt>
             <sshPrnamt>144995</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>139309</Sole>
             <Shared>0</Shared>
             <None>5686</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>TECH ALPHADEX</titleOfClass>
         <cusip>33734X176</cusip>
         <value>11052824</value>
         <shrsOrPrnAmt>
             <sshPrnamt>99439</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>95126</Sole>
             <Shared>0</Shared>
             <None>4313</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>UTILITIES ALPH</titleOfClass>
         <cusip>33734X184</cusip>
         <value>640934</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22441</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>22441</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>4168695</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54913</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>48106</Sole>
             <Shared>0</Shared>
             <None>6807</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>DJ GLBL DIVID</titleOfClass>
         <cusip>33734X200</cusip>
         <value>2405075</value>
         <shrsOrPrnAmt>
             <sshPrnamt>116694</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>111254</Sole>
             <Shared>0</Shared>
             <None>5440</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>S NETWRK FUT VEH</titleOfClass>
         <cusip>33734X309</cusip>
         <value>212543</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4148</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4148</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>1095697</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86760</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>82873</Sole>
             <Shared>0</Shared>
             <None>3887</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ CYB ETF</titleOfClass>
         <cusip>33734X846</cusip>
         <value>21803525</value>
         <shrsOrPrnAmt>
             <sshPrnamt>479861</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>464217</Sole>
             <Shared>0</Shared>
             <None>15644</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INTL EQUITY OPP</titleOfClass>
         <cusip>33734X853</cusip>
         <value>308589</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8032</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6622</Sole>
             <Shared>0</Shared>
             <None>1410</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR SML CP CORE ALPHA F</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33734Y109</cusip>
         <value>4288768</value>
         <shrsOrPrnAmt>
             <sshPrnamt>53170</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>52800</Sole>
             <Shared>0</Shared>
             <None>370</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MID CAP CORE ALPHAD</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735B108</cusip>
         <value>9870113</value>
         <shrsOrPrnAmt>
             <sshPrnamt>107169</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>76649</Sole>
             <Shared>0</Shared>
             <None>30520</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR LRG CP VL ALPHADEX</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735J101</cusip>
         <value>3275985</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50573</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>46783</Sole>
             <Shared>0</Shared>
             <None>3790</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TRUST LRGCP GWT ALPHAD</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735K108</cusip>
         <value>7403167</value>
         <shrsOrPrnAmt>
             <sshPrnamt>76493</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>75830</Sole>
             <Shared>0</Shared>
             <None>663</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR STOXX EUROPEAN SELE</nameOfIssuer>
         <titleOfClass>COMMON SHS</titleOfClass>
         <cusip>33735T109</cusip>
         <value>316246</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29039</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>29039</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>50804</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3506</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3506</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ CLN EDGE</titleOfClass>
         <cusip>33737A108</cusip>
         <value>7826861</value>
         <shrsOrPrnAmt>
             <sshPrnamt>83317</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>83187</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>711091</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21542</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21398</Sole>
             <Shared>0</Shared>
             <None>144</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>JAPAN ALPHADEX</titleOfClass>
         <cusip>33737J158</cusip>
         <value>550906</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11074</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11074</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>4489752</value>
         <shrsOrPrnAmt>
             <sshPrnamt>89367</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>87897</Sole>
             <Shared>0</Shared>
             <None>1470</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EMERG MKT ALPH</titleOfClass>
         <cusip>33737J182</cusip>
         <value>655563</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31411</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>31333</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>642383</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11137</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10969</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>1619829</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42118</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>41914</Sole>
             <Shared>0</Shared>
             <None>204</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDXX NEXTG ETF</titleOfClass>
         <cusip>33737K205</cusip>
         <value>3437777</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50660</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>50170</Sole>
             <Shared>0</Shared>
             <None>490</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CP GR ALPH</titleOfClass>
         <cusip>33737M102</cusip>
         <value>1793995</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29555</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>29491</Sole>
             <Shared>0</Shared>
             <None>64</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CAP VAL FD</titleOfClass>
         <cusip>33737M201</cusip>
         <value>2475519</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55480</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>55391</Sole>
             <Shared>0</Shared>
             <None>89</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>SML CP GRW ALP</titleOfClass>
         <cusip>33737M300</cusip>
         <value>608292</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10793</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10737</Sole>
             <Shared>0</Shared>
             <None>56</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>SML CAP VAL ALPH</titleOfClass>
         <cusip>33737M409</cusip>
         <value>971871</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20689</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20689</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR ENERGY INFRASTRCTR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738C103</cusip>
         <value>688088</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45448</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>45448</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>9008801</value>
         <shrsOrPrnAmt>
             <sshPrnamt>340995</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>336947</Sole>
             <Shared>0</Shared>
             <None>4048</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SENIOR LN FD</titleOfClass>
         <cusip>33738D309</cusip>
         <value>20679617</value>
         <shrsOrPrnAmt>
             <sshPrnamt>452111</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>450146</Sole>
             <Shared>0</Shared>
             <None>1965</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR TA HIYL</titleOfClass>
         <cusip>33738D408</cusip>
         <value>6640227</value>
         <shrsOrPrnAmt>
             <sshPrnamt>169267</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>169046</Sole>
             <Shared>0</Shared>
             <None>221</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>LIMITED DURATION</titleOfClass>
         <cusip>33738D804</cusip>
         <value>6636261</value>
         <shrsOrPrnAmt>
             <sshPrnamt>360858</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>360276</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>14357365</value>
         <shrsOrPrnAmt>
             <sshPrnamt>681408</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>661069</Sole>
             <Shared>0</Shared>
             <None>20339</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR HIGH INCOME LONG /</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738E109</cusip>
         <value>706819</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65935</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>65510</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>732673</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>50200</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>17937602</value>
         <shrsOrPrnAmt>
             <sshPrnamt>319773</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>311977</Sole>
             <Shared>0</Shared>
             <None>7796</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>BUYWRIT INCM ETF</titleOfClass>
         <cusip>33738R308</cusip>
         <value>1765348</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86494</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>85569</Sole>
             <Shared>0</Shared>
             <None>925</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
         <cusip>33738R506</cusip>
         <value>50894487</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1107609</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1046068</Sole>
             <Shared>0</Shared>
             <None>61541</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DORSEY WRT 5 ETF</titleOfClass>
         <cusip>33738R605</cusip>
         <value>18393804</value>
         <shrsOrPrnAmt>
             <sshPrnamt>415200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>396121</Sole>
             <Shared>0</Shared>
             <None>19079</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>S&amp;P INTL DIVID</titleOfClass>
         <cusip>33738R688</cusip>
         <value>842120</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57326</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>53921</Sole>
             <Shared>0</Shared>
             <None>3405</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>RBA INDL ETF</titleOfClass>
         <cusip>33738R704</cusip>
         <value>4618351</value>
         <shrsOrPrnAmt>
             <sshPrnamt>89641</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>89010</Sole>
             <Shared>0</Shared>
             <None>631</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ ARTFCIAL</titleOfClass>
         <cusip>33738R720</cusip>
         <value>3058284</value>
         <shrsOrPrnAmt>
             <sshPrnamt>75492</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>73504</Sole>
             <Shared>0</Shared>
             <None>1988</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ SEMCNDTR</titleOfClass>
         <cusip>33738R811</cusip>
         <value>3098478</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45815</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>42546</Sole>
             <Shared>0</Shared>
             <None>3269</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ OIL GAS</titleOfClass>
         <cusip>33738R845</cusip>
         <value>1686331</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56136</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>49413</Sole>
             <Shared>0</Shared>
             <None>6723</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ BK ETF</titleOfClass>
         <cusip>33738R860</cusip>
         <value>254596</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12317</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10817</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>879579</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49581</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>49581</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>312873</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39554</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>39554</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>37387198</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2341081</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2317280</Sole>
             <Shared>0</Shared>
             <None>23801</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
         <titleOfClass>FST TR GLB FD</titleOfClass>
         <cusip>33739H101</cusip>
         <value>28387942</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1182846</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1118932</Sole>
             <Shared>0</Shared>
             <None>63914</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>MANAGD MUN ETF</titleOfClass>
         <cusip>33739N108</cusip>
         <value>10662286</value>
         <shrsOrPrnAmt>
             <sshPrnamt>218131</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>218131</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>1118761</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21049</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19849</Sole>
             <Shared>0</Shared>
             <None>1200</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>EME MRK BD ETF</titleOfClass>
         <cusip>33739P202</cusip>
         <value>218673</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8084</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8084</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>237690</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4277</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4177</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>SHRT DUR MNG MUN</titleOfClass>
         <cusip>33739P830</cusip>
         <value>2720920</value>
         <shrsOrPrnAmt>
             <sshPrnamt>140362</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>139136</Sole>
             <Shared>0</Shared>
             <None>1226</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>INSTL PFD SECS</titleOfClass>
         <cusip>33739P855</cusip>
         <value>4718370</value>
         <shrsOrPrnAmt>
             <sshPrnamt>279519</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>278116</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>238656</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5052</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4900</Sole>
             <Shared>0</Shared>
             <None>152</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>HORIZON DMST ETF</titleOfClass>
         <cusip>33739P889</cusip>
         <value>427742</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>53981014</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1142705</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1113809</Sole>
             <Shared>0</Shared>
             <None>28896</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR ENH NEW</titleOfClass>
         <cusip>33739Q408</cusip>
         <value>73285796</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1233338</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1211021</Sole>
             <Shared>0</Shared>
             <None>22317</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SSI STRG ETF</titleOfClass>
         <cusip>33739Q507</cusip>
         <value>208914</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6724</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6724</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FT CBOE VEST S&amp;P</titleOfClass>
         <cusip>33739Q705</cusip>
         <value>17982825</value>
         <shrsOrPrnAmt>
             <sshPrnamt>364329</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>361572</Sole>
             <Shared>0</Shared>
             <None>2757</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>ENERGY INM PARTN</titleOfClass>
         <cusip>33739Q804</cusip>
         <value>3682088</value>
         <shrsOrPrnAmt>
             <sshPrnamt>174516</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>174498</Sole>
             <Shared>0</Shared>
             <None>18</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR DYNAMIC EUROPE EQUI</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33740D107</cusip>
         <value>445623</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35937</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>33769</Sole>
             <Shared>0</Shared>
             <None>2168</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>TCW OPPORTUNIS</titleOfClass>
         <cusip>33740F805</cusip>
         <value>35841060</value>
         <shrsOrPrnAmt>
             <sshPrnamt>852210</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>831958</Sole>
             <Shared>0</Shared>
             <None>20252</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>TCW UNCONSTRAI</titleOfClass>
         <cusip>33740F888</cusip>
         <value>4865505</value>
         <shrsOrPrnAmt>
             <sshPrnamt>203577</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>203471</Sole>
             <Shared>0</Shared>
             <None>106</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>ULTRA SHT DUR MU</titleOfClass>
         <cusip>33740J104</cusip>
         <value>1063369</value>
         <shrsOrPrnAmt>
             <sshPrnamt>53382</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>52382</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>530319</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18478</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16771</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>274588</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20615</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20615</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>24967385</value>
         <shrsOrPrnAmt>
             <sshPrnamt>884376</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>836404</Sole>
             <Shared>0</Shared>
             <None>47972</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST WATCH RESTAURANT GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33748L101</cusip>
         <value>297334</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17197</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17197</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTCASH HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33768G107</cusip>
         <value>428522</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4269</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4269</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>19824880</value>
         <shrsOrPrnAmt>
             <sshPrnamt>175503</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>170614</Sole>
             <Shared>0</Shared>
             <None>4889</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337932107</cusip>
         <value>5088630</value>
         <shrsOrPrnAmt>
             <sshPrnamt>148877</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>140355</Sole>
             <Shared>0</Shared>
             <None>8522</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVE BELOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33829M101</cusip>
         <value>6411803</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39849</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>39472</Sole>
             <Shared>0</Shared>
             <None>377</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVE9 INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338307101</cusip>
         <value>2157799</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33558</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>33304</Sole>
             <Shared>0</Shared>
             <None>254</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLAHERTY &amp; CRUMRINE PFD SECS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338478100</cusip>
         <value>166250</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12818</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7650</Sole>
             <Shared>0</Shared>
             <None>5168</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLAHERTY &amp; CRUMRINE PFD INCO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33848E106</cusip>
         <value>68820</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>5871295</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22994</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>22975</Sole>
             <Shared>0</Shared>
             <None>19</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>MORNSTAR UPSTR</titleOfClass>
         <cusip>33939L407</cusip>
         <value>1421650</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35154</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>46138E222</cusip>
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         <shrsOrPrnAmt>
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         <shrsOrPrnAmt>
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         <titleOfClass>S&amp;P500 LOW VOL</titleOfClass>
         <cusip>46138E354</cusip>
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         <shrsOrPrnAmt>
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         <cusip>46138E362</cusip>
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         <shrsOrPrnAmt>
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         <shrsOrPrnAmt>
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         <cusip>46138E511</cusip>
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         <shrsOrPrnAmt>
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         <shrsOrPrnAmt>
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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>2246881</value>
         <shrsOrPrnAmt>
             <sshPrnamt>242121</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>239121</Sole>
             <Shared>0</Shared>
             <None>3000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN NASDAQ 100 DYNAMIC OV</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>670699107</cusip>
         <value>614664</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27355</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>24158</Sole>
             <Shared>0</Shared>
             <None>3197</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN NEW JERSEY QULT MUN F</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67069Y102</cusip>
         <value>167120</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15795</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>14933</Sole>
             <Shared>0</Shared>
             <None>862</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN S&amp;P 500 BUY-WRITE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>6706ER101</cusip>
         <value>3006101</value>
         <shrsOrPrnAmt>
             <sshPrnamt>237447</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>198126</Sole>
             <Shared>0</Shared>
             <None>39321</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN MUNICIPAL CREDIT INC</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>67070X101</cusip>
         <value>2567091</value>
         <shrsOrPrnAmt>
             <sshPrnamt>246125</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>239380</Sole>
             <Shared>0</Shared>
             <None>6745</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN REAL ESTATE INCOME FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67071B108</cusip>
         <value>117666</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17562</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16462</Sole>
             <Shared>0</Shared>
             <None>1100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67071L106</cusip>
         <value>5338899</value>
         <shrsOrPrnAmt>
             <sshPrnamt>517836</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>510911</Sole>
             <Shared>0</Shared>
             <None>6925</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME SECS FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072C105</cusip>
         <value>338319</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54833</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>44607</Sole>
             <Shared>0</Shared>
             <None>10226</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN FLOATING RATE INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072T108</cusip>
         <value>451689</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55017</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>54284</Sole>
             <Shared>0</Shared>
             <None>733</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME OPPORTUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67073B106</cusip>
         <value>1672161</value>
         <shrsOrPrnAmt>
             <sshPrnamt>264166</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>237316</Sole>
             <Shared>0</Shared>
             <None>26850</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CR STRATEGIES INCOME</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67073D102</cusip>
         <value>2553250</value>
         <shrsOrPrnAmt>
             <sshPrnamt>504591</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>482869</Sole>
             <Shared>0</Shared>
             <None>21722</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67074C103</cusip>
         <value>651613</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44846</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>44846</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN MULTI ASSET INCOME FU</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670750108</cusip>
         <value>376723</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33878</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>32692</Sole>
             <Shared>0</Shared>
             <None>1186</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME TERM FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67075A106</cusip>
         <value>3981863</value>
         <shrsOrPrnAmt>
             <sshPrnamt>231910</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>231110</Sole>
             <Shared>0</Shared>
             <None>800</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN DOW 30 DYNMC OVERWRT</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>67075F105</cusip>
         <value>2194636</value>
         <shrsOrPrnAmt>
             <sshPrnamt>160192</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>152792</Sole>
             <Shared>0</Shared>
             <None>7400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PREFERRED AND INCOME</nameOfIssuer>
         <titleOfClass>COM SHS BEN INT</titleOfClass>
         <cusip>67075T105</cusip>
         <value>455962</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29042</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>29042</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67077M108</cusip>
         <value>11331199</value>
         <shrsOrPrnAmt>
             <sshPrnamt>183464</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>147563</Sole>
             <Shared>0</Shared>
             <None>35901</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CORPORATE INCOME 2023</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67079F101</cusip>
         <value>188481</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19757</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19757</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN DYNAMIC MUN OPPORTUNI</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67079X102</cusip>
         <value>365711</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37279</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>37279</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CORE PLUS IMPACT FUND</nameOfIssuer>
         <titleOfClass>COM BEN INT</titleOfClass>
         <cusip>67080D103</cusip>
         <value>838077</value>
         <shrsOrPrnAmt>
             <sshPrnamt>91492</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>88492</Sole>
             <Shared>0</Shared>
             <None>3000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN VRIABL RAT PFD &amp; INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67080R102</cusip>
         <value>1352880</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86336</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>78026</Sole>
             <Shared>0</Shared>
             <None>8310</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670837103</cusip>
         <value>7777037</value>
         <shrsOrPrnAmt>
             <sshPrnamt>233335</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>229427</Sole>
             <Shared>0</Shared>
             <None>3908</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670928100</cusip>
         <value>7593867</value>
         <shrsOrPrnAmt>
             <sshPrnamt>919354</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>901813</Sole>
             <Shared>0</Shared>
             <None>17541</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG LRGVL</titleOfClass>
         <cusip>67092P300</cusip>
         <value>842640</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25086</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20221</Sole>
             <Shared>0</Shared>
             <None>4865</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG MIDCP</titleOfClass>
         <cusip>67092P409</cusip>
         <value>544914</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14864</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>13291</Sole>
             <Shared>0</Shared>
             <None>1573</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG MIDVL</titleOfClass>
         <cusip>67092P508</cusip>
         <value>496985</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17481</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17035</Sole>
             <Shared>0</Shared>
             <None>446</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
         <cusip>67092P607</cusip>
         <value>323514</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9291</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8573</Sole>
             <Shared>0</Shared>
             <None>718</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG EMRGN</titleOfClass>
         <cusip>67092P888</cusip>
         <value>326179</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12440</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12440</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>308944</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30379</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>29879</Sole>
             <Shared>0</Shared>
             <None>500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>O-I GLASS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67098H104</cusip>
         <value>3836246</value>
         <shrsOrPrnAmt>
             <sshPrnamt>229303</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>41386</Sole>
             <Shared>0</Shared>
             <None>187917</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>OFS CAP CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103B100</cusip>
         <value>136336</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>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103H107</cusip>
         <value>27765844</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30550</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>28804</Sole>
             <Shared>0</Shared>
             <None>1746</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>OAKTREE SPECIALTY LENDING CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67401P405</cusip>
         <value>941293</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46784</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>46784</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CHORD ENERGY CORPORATION</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>674215207</cusip>
         <value>3683354</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22727</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>22159</Sole>
             <Shared>0</Shared>
             <None>568</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>OATLY GROUP AB</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>67421J108</cusip>
         <value>15592</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17100</Sole>
             <Shared>0</Shared>
             <None>300</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>674599105</cusip>
         <value>19930737</value>
         <shrsOrPrnAmt>
             <sshPrnamt>307195</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>299916</Sole>
             <Shared>0</Shared>
             <None>7279</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>*W EXP 08/03/202</titleOfClass>
         <cusip>674599162</cusip>
         <value>3083208</value>
         <shrsOrPrnAmt>
             <sshPrnamt>71287</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <sshPrnamt>21291</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78464A821</cusip>
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         <shrsOrPrnAmt>
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         <otherManager>1</otherManager>
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             <None>35921</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78464A839</cusip>
         <value>99622003</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1535953</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1492970</Sole>
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             <None>42983</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P400</titleOfClass>
         <cusip>78464A847</cusip>
         <value>2378232</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54309</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>53222</Sole>
             <Shared>0</Shared>
             <None>1087</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>
         <cusip>78464A854</cusip>
         <value>6244975</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124253</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Shared>0</Shared>
             <None>2081</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P SEMICNDCTR</titleOfClass>
         <cusip>78464A862</cusip>
         <value>4339900</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22140</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>1</otherManager>
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             <None>65</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P BIOTECH</titleOfClass>
         <cusip>78464A870</cusip>
         <value>7719392</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P HOMEBUILD</titleOfClass>
         <cusip>78464A888</cusip>
         <value>2803725</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36615</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>28867</Sole>
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             <None>7748</None>
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     <infoTable>
         <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
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             <sshPrnamt>147089</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1232</None>
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     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>BLACKSTONE SENR</titleOfClass>
         <cusip>78467V608</cusip>
         <value>15658340</value>
         <shrsOrPrnAmt>
             <sshPrnamt>373432</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <votingAuthority>
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     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
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         <shrsOrPrnAmt>
             <sshPrnamt>29037</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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     <infoTable>
         <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
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             <sshPrnamt>113891</sshPrnamt>
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             <None>9298</None>
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     <infoTable>
         <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
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             <sshPrnamt>38060</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>1</otherManager>
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             <None>945</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO SH TSR</titleOfClass>
         <cusip>78468R101</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>408065</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
         <cusip>78468R408</cusip>
         <value>10218240</value>
         <shrsOrPrnAmt>
             <sshPrnamt>417751</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>1</otherManager>
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             <None>5812</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 3-12 M</titleOfClass>
         <cusip>78468R523</cusip>
         <value>567150</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5704</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P OILGAS EXP</titleOfClass>
         <cusip>78468R556</cusip>
         <value>10013331</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67696</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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     <infoTable>
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         <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
         <cusip>78468R606</cusip>
         <value>2608139</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
         <cusip>78468R622</cusip>
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         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
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         <shrsOrPrnAmt>
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             <None>104282</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78468R721</cusip>
         <value>7761057</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>14611937</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>
         <cusip>78468R788</cusip>
         <value>3888271</value>
         <shrsOrPrnAmt>
             <sshPrnamt>110872</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>6639</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>SPDR S&amp;P 500 ETF</titleOfClass>
         <cusip>78468R796</cusip>
         <value>4689</value>
         <shrsOrPrnAmt>
             <sshPrnamt>135</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>SSGA US LRG ETF</titleOfClass>
         <cusip>78468R804</cusip>
         <value>480422</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3598</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Shared>0</Shared>
             <None>145</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
         <cusip>78468R853</cusip>
         <value>2663905</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72191</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>4672</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1 10 Y</titleOfClass>
         <cusip>78468R861</cusip>
         <value>372593</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>0</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78471E105</cusip>
         <value>28400</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20000</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>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78473E103</cusip>
         <value>24420</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>0</None>
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     <infoTable>
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         <cusip>78518H202</cusip>
         <value>177425</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23102</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>
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         <titleOfClass>UNIT BEN INT</titleOfClass>
         <cusip>785688102</cusip>
         <value>520838</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7903</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>SABRA HEALTH CARE REIT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78573L106</cusip>
         <value>8417276</value>
         <shrsOrPrnAmt>
             <sshPrnamt>603822</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>47598</None>
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     <infoTable>
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         <cusip>78573M104</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>65454</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <None>0</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78648T100</cusip>
         <value>38391</value>
         <shrsOrPrnAmt>
             <sshPrnamt>563</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>59</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78667J108</cusip>
         <value>361922</value>
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             <sshPrnamt>17586</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>1462</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78709Y105</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>35520</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>1195</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>790148100</cusip>
         <value>1084485</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19961</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>19594</Sole>
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             <None>367</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>81211K100</cusip>
         <value>1947640</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59271</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>58111</Sole>
             <Shared>0</Shared>
             <None>1160</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAWORLD ENTMT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81282V100</cusip>
         <value>545667</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11798</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11015</Sole>
             <Shared>0</Shared>
             <None>783</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>7587165</value>
         <shrsOrPrnAmt>
             <sshPrnamt>96587</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>93290</Sole>
             <Shared>0</Shared>
             <None>3297</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>80835058</value>
         <shrsOrPrnAmt>
             <sshPrnamt>627881</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>609222</Sole>
             <Shared>0</Shared>
             <None>18659</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>31538462</value>
         <shrsOrPrnAmt>
             <sshPrnamt>458334</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>432185</Sole>
             <Shared>0</Shared>
             <None>26149</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>40043664</value>
         <shrsOrPrnAmt>
             <sshPrnamt>248727</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>241699</Sole>
             <Shared>0</Shared>
             <None>7028</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>93864138</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1038426</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1008409</Sole>
             <Shared>0</Shared>
             <None>30017</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>45977497</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1386072</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1329429</Sole>
             <Shared>0</Shared>
             <None>56643</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>INDL</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>35788905</value>
         <shrsOrPrnAmt>
             <sshPrnamt>353003</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>338523</Sole>
             <Shared>0</Shared>
             <None>14480</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>108549898</value>
         <shrsOrPrnAmt>
             <sshPrnamt>662120</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>634510</Sole>
             <Shared>0</Shared>
             <None>27610</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>43610540</value>
         <shrsOrPrnAmt>
             <sshPrnamt>665087</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>653016</Sole>
             <Shared>0</Shared>
             <None>12071</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>RL EST SEL SEC</titleOfClass>
         <cusip>81369Y860</cusip>
         <value>3023063</value>
         <shrsOrPrnAmt>
             <sshPrnamt>88730</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>85623</Sole>
             <Shared>0</Shared>
             <None>3107</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>27813619</value>
         <shrsOrPrnAmt>
             <sshPrnamt>471973</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>452626</Sole>
             <Shared>0</Shared>
             <None>19347</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816300107</cusip>
         <value>2628592</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25478</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>25478</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>32174505</value>
         <shrsOrPrnAmt>
             <sshPrnamt>472943</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>461851</Sole>
             <Shared>0</Shared>
             <None>11092</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSEONICS HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81727U105</cusip>
         <value>37583</value>
         <shrsOrPrnAmt>
             <sshPrnamt>62221</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>62217</Sole>
             <Shared>0</Shared>
             <None>4</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>81730H109</cusip>
         <value>5557013</value>
         <shrsOrPrnAmt>
             <sshPrnamt>329597</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>329417</Sole>
             <Shared>0</Shared>
             <None>180</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>817565104</cusip>
         <value>220777</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3864</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2769</Sole>
             <Shared>0</Shared>
             <None>1095</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE PPTYS TR</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>81761L102</cusip>
         <value>271584</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35316</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>28493</Sole>
             <Shared>0</Shared>
             <None>6823</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>125913223</value>
         <shrsOrPrnAmt>
             <sshPrnamt>225260</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>215336</Sole>
             <Shared>0</Shared>
             <None>9924</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVISFIRST BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81768T108</cusip>
         <value>3051538</value>
         <shrsOrPrnAmt>
             <sshPrnamt>58493</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>57891</Sole>
             <Shared>0</Shared>
             <None>602</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>48548150</value>
         <shrsOrPrnAmt>
             <sshPrnamt>190322</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>186061</Sole>
             <Shared>0</Shared>
             <None>4261</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHIFT4 PMTS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82452J109</cusip>
         <value>2829572</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51103</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>51103</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOE CARNIVAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824889109</cusip>
         <value>1673432</value>
         <shrsOrPrnAmt>
             <sshPrnamt>69639</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>67395</Sole>
             <Shared>0</Shared>
             <None>2244</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOCKWAVE MED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82489T104</cusip>
         <value>8899580</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44699</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>44573</Sole>
             <Shared>0</Shared>
             <None>126</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
         <value>13777020</value>
         <shrsOrPrnAmt>
             <sshPrnamt>252464</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>248274</Sole>
             <Shared>0</Shared>
             <None>4190</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHORE BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825107105</cusip>
         <value>336218</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31960</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>31960</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHUTTERSTOCK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825690100</cusip>
         <value>1084676</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28507</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>27648</Sole>
             <Shared>0</Shared>
             <None>859</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIBANYE STILLWATER LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>82575P107</cusip>
         <value>1036223</value>
         <shrsOrPrnAmt>
             <sshPrnamt>167945</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>167945</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SILICON LABORATORIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>826919102</cusip>
         <value>1825260</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15750</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15624</Sole>
             <Shared>0</Shared>
             <None>126</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SILK RD MED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82710M100</cusip>
         <value>551838</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36813</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>35288</Sole>
             <Shared>0</Shared>
             <None>1525</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>29033598</value>
         <shrsOrPrnAmt>
             <sshPrnamt>268754</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>255125</Sole>
             <Shared>0</Shared>
             <None>13629</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPLIFY EXCHANGE TRADED FUN</nameOfIssuer>
         <titleOfClass>HEALTH CARE ETF</titleOfClass>
         <cusip>82889N772</cusip>
         <value>2185596</value>
         <shrsOrPrnAmt>
             <sshPrnamt>87041</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>86649</Sole>
             <Shared>0</Shared>
             <None>392</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPLY GOOD FOODS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82900L102</cusip>
         <value>743083</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21526</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19693</Sole>
             <Shared>0</Shared>
             <None>1833</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPSON MFG INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>829073105</cusip>
         <value>12395001</value>
         <shrsOrPrnAmt>
             <sshPrnamt>82736</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>75699</Sole>
             <Shared>0</Shared>
             <None>7037</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SINCLAIR INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>829242106</cusip>
         <value>356267</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31753</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>31131</Sole>
             <Shared>0</Shared>
             <None>622</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIRIUS XM HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82968B103</cusip>
         <value>296399</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65575</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>60828</Sole>
             <Shared>0</Shared>
             <None>4747</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982L103</cusip>
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         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10094</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
         <titleOfClass>STRM INFPROIDX</titleOfClass>
         <cusip>922020805</cusip>
         <value>38224301</value>
         <shrsOrPrnAmt>
             <sshPrnamt>808465</sshPrnamt>
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             <None>37461</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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         <shrsOrPrnAmt>
             <sshPrnamt>214587</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>191029</Sole>
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             <None>23558</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
         <titleOfClass>TOTAL INT BD ETF</titleOfClass>
         <cusip>92203J407</cusip>
         <value>20835888</value>
         <shrsOrPrnAmt>
             <sshPrnamt>435624</sshPrnamt>
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         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>426981</Sole>
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             <None>8643</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>GLB EX US ETF</titleOfClass>
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         <value>159977</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE SMCAP ETF</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>53253</sshPrnamt>
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         <votingAuthority>
             <Sole>48502</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>
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         <shrsOrPrnAmt>
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         <votingAuthority>
             <Sole>110453</Sole>
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             <None>2055</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>ALLWRLD EX US</titleOfClass>
         <cusip>922042775</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>1010829</sshPrnamt>
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             <Sole>790921</Sole>
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             <None>219908</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE PACIFIC ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>FTSE EUROPE ETF</titleOfClass>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
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         <cusip>92204A108</cusip>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>CONSUM STP ETF</titleOfClass>
         <cusip>92204A207</cusip>
         <value>7908310</value>
         <shrsOrPrnAmt>
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             <None>1706</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>ENERGY ETF</titleOfClass>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>7825119</value>
         <shrsOrPrnAmt>
             <sshPrnamt>97425</sshPrnamt>
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         <votingAuthority>
             <Sole>89947</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
         <value>15924804</value>
         <shrsOrPrnAmt>
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         <votingAuthority>
             <Sole>63691</Sole>
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             <None>4040</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>INDUSTRIAL ETF</titleOfClass>
         <cusip>92204A603</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>59290</sshPrnamt>
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             <Sole>57957</Sole>
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             <None>1333</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>INF TECH ETF</titleOfClass>
         <cusip>92204A702</cusip>
         <value>81554070</value>
         <shrsOrPrnAmt>
             <sshPrnamt>196551</sshPrnamt>
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         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>184527</Sole>
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             <None>12024</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>MATERIALS ETF</titleOfClass>
         <cusip>92204A801</cusip>
         <value>8013678</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46450</sshPrnamt>
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             <None>1110</None>
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     <infoTable>
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         <titleOfClass>UTILITIES ETF</titleOfClass>
         <cusip>92204A876</cusip>
         <value>4779928</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37479</sshPrnamt>
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             <Sole>37254</Sole>
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             <None>225</None>
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     <infoTable>
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         <titleOfClass>COMM SRVC ETF</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>41104</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>40605</Sole>
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             <None>499</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHORT TERM TREAS</titleOfClass>
         <cusip>92206C102</cusip>
         <value>15083264</value>
         <shrsOrPrnAmt>
             <sshPrnamt>261861</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>260369</Sole>
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             <None>1492</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>334996</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>308320</Sole>
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             <None>26676</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>TOTAL CORP BND</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>35910</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>35466</Sole>
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             <None>444</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS3000IDX</titleOfClass>
         <cusip>92206C599</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>14289</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>14289</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000GRW</titleOfClass>
         <cusip>92206C623</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>10958</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10352</Sole>
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             <None>606</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000VAL</titleOfClass>
         <cusip>92206C649</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>8289</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8164</Sole>
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             <None>125</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>1507635</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1424494</Sole>
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             <None>83141</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000GRW</titleOfClass>
         <cusip>92206C680</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>153040</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>149763</Sole>
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             <None>3277</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INTER TERM TREAS</titleOfClass>
         <cusip>92206C706</cusip>
         <value>21593526</value>
         <shrsOrPrnAmt>
             <sshPrnamt>377838</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>377689</Sole>
             <Shared>0</Shared>
             <None>149</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000VAL</titleOfClass>
         <cusip>92206C714</cusip>
         <value>1297223</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19460</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>14422</Sole>
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             <None>5038</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000IDX</titleOfClass>
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         <value>29482026</value>
         <shrsOrPrnAmt>
             <sshPrnamt>151454</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>136507</Sole>
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             <None>14947</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>4797482</sshPrnamt>
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             <Sole>4644039</Sole>
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             <None>153443</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>LG-TERM COR BD</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>63545</sshPrnamt>
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             <Sole>61995</Sole>
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             <None>1550</None>
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     <infoTable>
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         <titleOfClass>LONG TERM TREAS</titleOfClass>
         <cusip>92206C847</cusip>
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         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>43773</Sole>
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             <None>2905</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>272050</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>268840</Sole>
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             <None>3210</None>
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     </infoTable>
     <infoTable>
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             <None>7441</None>
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         <cusip>922908363</cusip>
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         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
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         <titleOfClass>LARGE CAP ETF</titleOfClass>
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         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>82043501</value>
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         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>93185880</value>
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         <cusip>92345Y106</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92346J108</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92511W108</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92532F100</cusip>
         <value>26227528</value>
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             <None>1789</None>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>92556V106</cusip>
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         <titleOfClass>COM</titleOfClass>
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             <None>41068</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>38526M106</cusip>
         <value>10285</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>387328107</cusip>
         <value>1027</value>
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         <nameOfIssuer>HACKETT GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>404609109</cusip>
         <value>8728</value>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>406216101</cusip>
         <value>3321</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <value>77957</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>SHRT NAT MUN ETF</titleOfClass>
         <cusip>464288158</cusip>
         <value>18721</value>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>MBS ETF</titleOfClass>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>464288646</cusip>
         <value>2747875</value>
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             <None>5635</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>3 7 YR TREAS BD</titleOfClass>
         <cusip>464288661</cusip>
         <value>1875061</value>
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             <None>3416</None>
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         <titleOfClass>CORE MSCI TOTAL</titleOfClass>
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         <nameOfIssuer>RELIANCE STEEL &amp; ALUMINUM CO</nameOfIssuer>
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         <nameOfIssuer>WHIRLPOOL CORP</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>AVALONBAY CMNTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>053484101</cusip>
         <value>136021</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>053611109</cusip>
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             <sshPrnamt>381</sshPrnamt>
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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>1500</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <value>2525</value>
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         <cusip>05478C105</cusip>
         <value>15019</value>
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             <sshPrnamt>505</sshPrnamt>
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         <nameOfIssuer>BCE INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>05534B760</cusip>
         <value>1706136</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44699</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BJS WHSL CLUB HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>05550J101</cusip>
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             <sshPrnamt>1448</sshPrnamt>
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         <nameOfIssuer>BOK FINL CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>05561Q201</cusip>
         <value>42470</value>
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             <sshPrnamt>531</sshPrnamt>
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         <titleOfClass>COM CL A</titleOfClass>
         <cusip>05601U105</cusip>
         <value>431</value>
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             <sshPrnamt>120</sshPrnamt>
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         <nameOfIssuer>BWX TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>05605H100</cusip>
         <value>27368</value>
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             <sshPrnamt>365</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BADGER METER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>056525108</cusip>
         <value>47048</value>
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             <sshPrnamt>327</sshPrnamt>
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         <nameOfIssuer>BAIDU INC</nameOfIssuer>
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         <cusip>056752108</cusip>
         <value>2419</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>060505104</cusip>
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         <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
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         <cusip>060505682</cusip>
         <value>11121</value>
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         <nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>BANK OZK LITTLE ROCK ARK</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>BANNER CORP</nameOfIssuer>
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         <cusip>06652V208</cusip>
         <value>1187</value>
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         <nameOfIssuer>BARCLAYS PLC</nameOfIssuer>
         <titleOfClass>ADR</titleOfClass>
         <cusip>06738E204</cusip>
         <value>74114</value>
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         <nameOfIssuer>BARRICK GOLD CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>067901108</cusip>
         <value>70931</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>071813109</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>07317Q105</cusip>
         <value>1103</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>075887109</cusip>
         <value>2794664</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BEIGENE LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>07725L102</cusip>
         <value>54318</value>
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         <nameOfIssuer>BELDEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>077454106</cusip>
         <value>3572</value>
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             <sshPrnamt>37</sshPrnamt>
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         <value>108023</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BENTLEY SYS INC</nameOfIssuer>
         <titleOfClass>COM CL B</titleOfClass>
         <cusip>08265T208</cusip>
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         <nameOfIssuer>BERKLEY W R CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>084423102</cusip>
         <value>248503</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>127055101</cusip>
         <value>52603</value>
         <shrsOrPrnAmt>
             <sshPrnamt>759</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>759</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>180127</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6659</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6659</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CACTUS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>127203107</cusip>
         <value>42226</value>
         <shrsOrPrnAmt>
             <sshPrnamt>841</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>841</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>19447</value>
         <shrsOrPrnAmt>
             <sshPrnamt>83</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>83</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CAESARS ENTERTAINMENT INC NE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12769G100</cusip>
         <value>33002</value>
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             <Sole>712</Sole>
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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>10205</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1842</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>CALAMOS STRATEGIC TOTAL RETU</nameOfIssuer>
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         <cusip>128125101</cusip>
         <value>3799</value>
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             <sshPrnamt>270</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>270</Sole>
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         <nameOfIssuer>CALIX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>44098</value>
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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>8124</value>
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             <sshPrnamt>587</sshPrnamt>
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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>CAMDEN PPTY TR</nameOfIssuer>
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         <cusip>133131102</cusip>
         <value>36696</value>
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             <sshPrnamt>388</sshPrnamt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CAMECO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>13321L108</cusip>
         <value>6065</value>
         <shrsOrPrnAmt>
             <sshPrnamt>153</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>153</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CANADIAN IMPERIAL BK COMM TO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>136069101</cusip>
         <value>103589</value>
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             <sshPrnamt>2683</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2683</Sole>
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             <None>0</None>
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         <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>136375102</cusip>
         <value>416204</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>3842</Sole>
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             <None>0</None>
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         <nameOfIssuer>CANADIAN NAT RES LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>136385101</cusip>
         <value>20954</value>
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             <None>0</None>
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         <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>13646K108</cusip>
         <value>200213</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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         <nameOfIssuer>CANNAE HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>13765N107</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>471</Sole>
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             <None>0</None>
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         <nameOfIssuer>CANOO INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>13803R102</cusip>
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         <shrsOrPrnAmt>
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             <None>0</None>
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         <nameOfIssuer>CAPITAL GROUP INTL FOCUS EQT</nameOfIssuer>
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         <nameOfIssuer>CAPITAL GROUP GROWTH ETF</nameOfIssuer>
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         <cusip>14020G101</cusip>
         <value>893711</value>
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         <cusip>14020V108</cusip>
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             <None>0</None>
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         <nameOfIssuer>CAPITAL GROUP DIVIDEND VALUE</nameOfIssuer>
         <titleOfClass>SHS CREATION UNI</titleOfClass>
         <cusip>14020W106</cusip>
         <value>620330</value>
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         <cusip>14020Y102</cusip>
         <value>1497082</value>
         <shrsOrPrnAmt>
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         <titleOfClass>SHORT DURATION</titleOfClass>
         <cusip>14020Y409</cusip>
         <value>1099789</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14040H105</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>14149Y108</cusip>
         <value>18649</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>215</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CARETRUST REIT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14174T107</cusip>
         <value>38248</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>1866</Sole>
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         <nameOfIssuer>CARLISLE COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CARMAX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <None>74</None>
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         <nameOfIssuer>CARPENTER TECHNOLOGY CORP</nameOfIssuer>
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         <cusip>144285103</cusip>
         <value>3024</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14448C104</cusip>
         <value>486209</value>
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             <sshPrnamt>8805</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>8645</Sole>
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             <None>160</None>
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         <nameOfIssuer>CARTERS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>146229109</cusip>
         <value>1936</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>28</Sole>
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     <infoTable>
         <nameOfIssuer>CASELLA WASTE SYS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>147448104</cusip>
         <value>20220</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CASEYS GEN STORES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>147528103</cusip>
         <value>19006</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>70</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CASS INFORMATION SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14808P109</cusip>
         <value>1229</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>33</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CATALENT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>148806102</cusip>
         <value>10335</value>
         <shrsOrPrnAmt>
             <sshPrnamt>227</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>227</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>149123101</cusip>
         <value>1525846</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5589</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>DEXCOM INC</nameOfIssuer>
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         <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
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         <nameOfIssuer>EXELON CORP</nameOfIssuer>
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         <nameOfIssuer>EXPONENT INC</nameOfIssuer>
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         <nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>316773100</cusip>
         <value>303175</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>8812</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>9660</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>FIRST FINL BANCORP OH</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>320209109</cusip>
         <value>1411</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>6612</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>141311</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7829</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7829</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32054K103</cusip>
         <value>24129</value>
         <shrsOrPrnAmt>
             <sshPrnamt>507</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>414</Sole>
             <Shared>0</Shared>
             <None>93</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST INTST BANCSYSTEM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32055Y201</cusip>
         <value>698</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>27309</value>
         <shrsOrPrnAmt>
             <sshPrnamt>169</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>156</Sole>
             <Shared>0</Shared>
             <None>13</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MORNINGSTAR DIVID L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>336917109</cusip>
         <value>109842</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3285</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3285</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>12513</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>16602</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1114</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1114</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>CAP STRENGTH ETF</titleOfClass>
         <cusip>33733E104</cusip>
         <value>485371</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6593</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6500</Sole>
             <Shared>0</Shared>
             <None>93</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NY ARCA BIOTECH</titleOfClass>
         <cusip>33733E203</cusip>
         <value>24147</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>221379</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1387</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1345</Sole>
             <Shared>0</Shared>
             <None>42</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAT GAS ETF</titleOfClass>
         <cusip>33733E807</cusip>
         <value>20144</value>
         <shrsOrPrnAmt>
             <sshPrnamt>775</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>775</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337344105</cusip>
         <value>9463</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>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>33734H106</cusip>
         <value>10886626</value>
         <shrsOrPrnAmt>
             <sshPrnamt>291164</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>289172</Sole>
             <Shared>0</Shared>
             <None>1992</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>UTILITIES ALPH</titleOfClass>
         <cusip>33734X184</cusip>
         <value>17936</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>6529</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>134376</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6520</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6520</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>7022</value>
         <shrsOrPrnAmt>
             <sshPrnamt>556</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>556</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>31700</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 EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>DEV MRK EX US</titleOfClass>
         <cusip>33737J174</cusip>
         <value>9836</value>
         <shrsOrPrnAmt>
             <sshPrnamt>196</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>196</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>22289</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1068</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1068</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>113631</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1872</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1872</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>113424</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2542</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2542</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR ENERGY INFRASTRCTR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738C103</cusip>
         <value>33626</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2221</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2221</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>155931</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5902</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5902</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>103711</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2268</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2268</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>91289</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2327</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2327</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR HIGH INCOME LONG /</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33738E109</cusip>
         <value>19553</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1824</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1824</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>28886</value>
         <shrsOrPrnAmt>
             <sshPrnamt>515</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>515</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>11491</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>233945</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5092</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5092</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>8386</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>1241160</value>
         <shrsOrPrnAmt>
             <sshPrnamt>77719</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>77319</Sole>
             <Shared>0</Shared>
             <None>400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
         <titleOfClass>FST TR GLB FD</titleOfClass>
         <cusip>33739H101</cusip>
         <value>46464</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1936</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1936</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>22188</value>
         <shrsOrPrnAmt>
             <sshPrnamt>454</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>454</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>LNG/SHT EQUITY</titleOfClass>
         <cusip>33739P103</cusip>
         <value>3256505</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61270</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>61270</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>104285</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2208</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2208</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>92873</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1563</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1563</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>TCW OPPORTUNIS</titleOfClass>
         <cusip>33740F805</cusip>
         <value>81292</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 EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SMID RISNG ETF</titleOfClass>
         <cusip>33741X102</cusip>
         <value>10869</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>FIRSTCASH HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33768G107</cusip>
         <value>75989</value>
         <shrsOrPrnAmt>
             <sshPrnamt>757</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>757</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>435121</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3852</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3698</Sole>
             <Shared>0</Shared>
             <None>154</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337932107</cusip>
         <value>7896</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>80934</value>
         <shrsOrPrnAmt>
             <sshPrnamt>503</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>503</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVE9 INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338307101</cusip>
         <value>16139</value>
         <shrsOrPrnAmt>
             <sshPrnamt>251</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>251</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>339041105</cusip>
         <value>511</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>440642</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10884</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10798</Sole>
             <Shared>0</Shared>
             <None>86</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>QLT DIV DEF IDX</titleOfClass>
         <cusip>33939L845</cusip>
         <value>10169</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>818699</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>75388</value>
         <shrsOrPrnAmt>
             <sshPrnamt>833</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>833</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>343412102</cusip>
         <value>15670</value>
         <shrsOrPrnAmt>
             <sshPrnamt>427</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>427</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>345370860</cusip>
         <value>1234571</value>
         <shrsOrPrnAmt>
             <sshPrnamt>99400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>98481</Sole>
             <Shared>0</Shared>
             <None>919</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORMFACTOR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>346375108</cusip>
         <value>51467</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1473</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1473</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>349553107</cusip>
         <value>9939</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>FORTINET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959E109</cusip>
         <value>228030</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3886</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3886</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959J108</cusip>
         <value>113390</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>FORTREA HLDGS INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>34965K107</cusip>
         <value>1727</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>60</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FOX CORP</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>35137L105</cusip>
         <value>4306</value>
         <shrsOrPrnAmt>
             <sshPrnamt>138</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>138</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FOX CORP</nameOfIssuer>
         <titleOfClass>CL B COM</titleOfClass>
         <cusip>35137L204</cusip>
         <value>9187</value>
         <shrsOrPrnAmt>
             <sshPrnamt>318</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>318</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FOX FACTORY HLDG CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>35138V102</cusip>
         <value>38445</value>
         <shrsOrPrnAmt>
             <sshPrnamt>388</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>388</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRANCO NEV CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>351858105</cusip>
         <value>125032</value>
         <shrsOrPrnAmt>
             <sshPrnamt>937</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>45</Sole>
             <Shared>0</Shared>
             <None>892</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
         <titleOfClass>FTSE UNTD KGDM</titleOfClass>
         <cusip>35473P678</cusip>
         <value>6169</value>
         <shrsOrPrnAmt>
             <sshPrnamt>258</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>258</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
         <titleOfClass>FTSE JAPAN ETF</titleOfClass>
         <cusip>35473P744</cusip>
         <value>23911</value>
         <shrsOrPrnAmt>
             <sshPrnamt>904</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>904</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRANKLIN UNVL TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>355145103</cusip>
         <value>152812</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24065</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>24065</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>35671D857</cusip>
         <value>1822883</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48877</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>48420</Sole>
             <Shared>0</Shared>
             <None>457</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRESHPET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>358039105</cusip>
         <value>38671</value>
         <shrsOrPrnAmt>
             <sshPrnamt>587</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>587</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FULLER H B CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>359694106</cusip>
         <value>36500</value>
         <shrsOrPrnAmt>
             <sshPrnamt>532</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>532</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GATX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>361448103</cusip>
         <value>80689</value>
         <shrsOrPrnAmt>
             <sshPrnamt>741</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>741</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GFL ENVIRONMENTAL INC</nameOfIssuer>
         <titleOfClass>SUB VTG SHS</titleOfClass>
         <cusip>36168Q104</cusip>
         <value>148001</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4660</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4141</Sole>
             <Shared>0</Shared>
             <None>519</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>G III APPAREL GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>36237H101</cusip>
         <value>1221</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>GABELLI EQUITY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>362397101</cusip>
         <value>1539</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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         <value>884</value>
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         <nameOfIssuer>INSTRUCTURE HLDGS INC</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>INSTALLED BLDG PRODS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45780R101</cusip>
         <value>2748</value>
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             <Sole>22</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INSULET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45784P101</cusip>
         <value>39712</value>
         <shrsOrPrnAmt>
             <sshPrnamt>249</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>249</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INTEGRA LIFESCIENCES HLDGS C</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>457985208</cusip>
         <value>8858</value>
         <shrsOrPrnAmt>
             <sshPrnamt>232</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>232</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INTEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>458140100</cusip>
         <value>3183554</value>
         <shrsOrPrnAmt>
             <sshPrnamt>89552</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>89540</Sole>
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             <None>12</None>
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     <infoTable>
         <nameOfIssuer>INTEGER HLDGS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45826H109</cusip>
         <value>42350</value>
         <shrsOrPrnAmt>
             <sshPrnamt>540</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>540</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>14375</value>
         <shrsOrPrnAmt>
             <sshPrnamt>107</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>107</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>176582</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2040</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1998</Sole>
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             <None>42</None>
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     <infoTable>
         <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45866F104</cusip>
         <value>2144720</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19481</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>19201</Sole>
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             <None>280</None>
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     <infoTable>
         <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>459200101</cusip>
         <value>2299833</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16382</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15772</Sole>
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             <None>610</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>459506101</cusip>
         <value>332167</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4873</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4825</Sole>
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             <None>48</None>
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     <infoTable>
         <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>460146103</cusip>
         <value>434295</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12244</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12103</Sole>
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             <None>141</None>
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     <infoTable>
         <nameOfIssuer>INTERPUBLIC GROUP COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>460690100</cusip>
         <value>60014</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2094</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2094</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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         <cusip>46090E103</cusip>
         <value>8466257</value>
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             <sshPrnamt>23626</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21805</Sole>
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             <None>1821</None>
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     <infoTable>
         <nameOfIssuer>INTUIT</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>461202103</cusip>
         <value>1318903</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2581</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2456</Sole>
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             <None>125</None>
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     <infoTable>
         <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>46120E602</cusip>
         <value>2847176</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9741</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9707</Sole>
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             <None>34</None>
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     <infoTable>
         <nameOfIssuer>INVESCO MUNICIPAL TRUST</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46131J103</cusip>
         <value>3027</value>
         <shrsOrPrnAmt>
             <sshPrnamt>363</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>363</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO TR INVT GRADE MUNS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46131M106</cusip>
         <value>3545</value>
         <shrsOrPrnAmt>
             <sshPrnamt>417</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>417</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO VALUE MUN INCOME TR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46132P108</cusip>
         <value>132600</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12750</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12750</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO QUALITY MUN INCOME T</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46133G107</cusip>
         <value>3423</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>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>AEROSPACE DEFN</titleOfClass>
         <cusip>46137V100</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>5506</sshPrnamt>
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             <None>116</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>WATER RES ETF</titleOfClass>
         <cusip>46137V142</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>9613</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>9613</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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         <cusip>46137V241</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>120</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>BUYBACK ACHIEV</titleOfClass>
         <cusip>46137V308</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>193</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>193</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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         <cusip>46137V357</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>139019</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P MDCP MOMNTUM</titleOfClass>
         <cusip>46137V464</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>146</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>146</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>
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         <shrsOrPrnAmt>
             <sshPrnamt>336</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>336</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>
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         <shrsOrPrnAmt>
             <sshPrnamt>19624</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>19624</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>SEMICONDUCTORS</titleOfClass>
         <cusip>46137V647</cusip>
         <value>469173</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10962</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>10962</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>DORSEY WRGT BASC</titleOfClass>
         <cusip>46137V704</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>4576</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4576</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>FOOD &amp; BEVERAGE</titleOfClass>
         <cusip>46137V753</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>8890</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>8890</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>BUILDING &amp; CONST</titleOfClass>
         <cusip>46137V779</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>8915</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>8915</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>DORSEY WRGT TECH</titleOfClass>
         <cusip>46137V811</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>9041</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>9041</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>DORSEY WRIGHT HE</titleOfClass>
         <cusip>46137V852</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>405</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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     <infoTable>
         <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
         <titleOfClass>UNIT</titleOfClass>
         <cusip>46138B103</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>513</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>513</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>S&amp;P SMLCP INFO</titleOfClass>
         <cusip>46138E115</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>4257</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>4257</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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         <cusip>46138E123</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>1865</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1865</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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         <cusip>46138E198</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>2422</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2422</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>S&amp;P GBL WATER</titleOfClass>
         <cusip>46138E263</cusip>
         <value>199157</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4282</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>S&amp;P500 LOW VOL</titleOfClass>
         <cusip>46138E354</cusip>
         <value>53734</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>914</Sole>
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             <None>0</None>
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         <cusip>46138E362</cusip>
         <value>19595</value>
         <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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     <infoTable>
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         <titleOfClass>RUSEL 1000 EQL</titleOfClass>
         <cusip>46138E420</cusip>
         <value>577105</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14471</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>PFD ETF</titleOfClass>
         <cusip>46138E511</cusip>
         <value>40690</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3716</sshPrnamt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>NATL AMT MUNI</titleOfClass>
         <cusip>46138E537</cusip>
         <value>91397</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4124</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <None>0</None>
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         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>EMRNG MKT SVRG</titleOfClass>
         <cusip>46138E784</cusip>
         <value>4733</value>
         <shrsOrPrnAmt>
             <sshPrnamt>259</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
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         <cusip>46138G508</cusip>
         <value>4723</value>
         <shrsOrPrnAmt>
             <sshPrnamt>225</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>S&amp;P SMALLCAP 600</titleOfClass>
         <cusip>46138G664</cusip>
         <value>13658</value>
         <shrsOrPrnAmt>
             <sshPrnamt>375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
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         <titleOfClass>SOLAR ETF</titleOfClass>
         <cusip>46138G706</cusip>
         <value>4661</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
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         <value>7011</value>
         <shrsOrPrnAmt>
             <sshPrnamt>450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
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         <shrsOrPrnAmt>
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         <shrsOrPrnAmt>
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         <shrsOrPrnAmt>
             <sshPrnamt>615</sshPrnamt>
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         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
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         <cusip>46138J791</cusip>
         <value>11553</value>
         <shrsOrPrnAmt>
             <sshPrnamt>615</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>615</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
         <titleOfClass>BULSHS 2025 CB</titleOfClass>
         <cusip>46138J825</cusip>
         <value>55635</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2766</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2766</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
         <titleOfClass>BULSHS 2024 CB</titleOfClass>
         <cusip>46138J841</cusip>
         <value>57471</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2780</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2780</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
         <titleOfClass>BULSHS 2023 HY</titleOfClass>
         <cusip>46138J858</cusip>
         <value>54585</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2322</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2322</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
         <titleOfClass>BULSHS 2023 CB</titleOfClass>
         <cusip>46138J866</cusip>
         <value>56480</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2660</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
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         <otherManager>3</otherManager>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <titleOfClass>COM</titleOfClass>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>107</None>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>IRON MTN INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46284V101</cusip>
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             <None>0</None>
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         <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
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         <cusip>464285204</cusip>
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             <None>3332</None>
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         <nameOfIssuer>ISHARES INC</nameOfIssuer>
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         <nameOfIssuer>ISHARES INC</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
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         <cusip>464287150</cusip>
         <value>818593</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>13</None>
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         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>SELECT DIVID ETF</titleOfClass>
         <cusip>464287168</cusip>
         <value>289013</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2685</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2685</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>TIPS BD ETF</titleOfClass>
         <cusip>464287176</cusip>
         <value>345397</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3330</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>3330</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
         <cusip>464287200</cusip>
         <value>6342260</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14769</sshPrnamt>
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     <infoTable>
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     <infoTable>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3395</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES INC</nameOfIssuer>
         <titleOfClass>MSCI JPN ETF NEW</titleOfClass>
         <cusip>46434G822</cusip>
         <value>125041</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2074</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2074</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
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         <titleOfClass>ESG AWR MSCI EM</titleOfClass>
         <cusip>46434G863</cusip>
         <value>1159</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>38</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>U S EQUITY FACTR</titleOfClass>
         <cusip>46434V282</cusip>
         <value>8610</value>
         <shrsOrPrnAmt>
             <sshPrnamt>199</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>199</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>EXPONENTIAL TECH</titleOfClass>
         <cusip>46434V381</cusip>
         <value>24440</value>
         <shrsOrPrnAmt>
             <sshPrnamt>468</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>468</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE TOTAL USD</titleOfClass>
         <cusip>46434V613</cusip>
         <value>13012</value>
         <shrsOrPrnAmt>
             <sshPrnamt>298</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>298</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE DIV GRWTH</titleOfClass>
         <cusip>46434V621</cusip>
         <value>811062</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12609</Sole>
             <Shared>0</Shared>
             <None>3766</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>TRS FLT RT BD</titleOfClass>
         <cusip>46434V860</cusip>
         <value>863</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>17</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS DEC25 ETF</titleOfClass>
         <cusip>46434VBD1</cusip>
         <value>23540</value>
         <shrsOrPrnAmt>
             <sshPrnamt>966</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>966</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS DEC24 ETF</titleOfClass>
         <cusip>46434VBG4</cusip>
         <value>1688521</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68278</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>68278</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ESG AWR MSCI USA</titleOfClass>
         <cusip>46435G425</cusip>
         <value>7819</value>
         <shrsOrPrnAmt>
             <sshPrnamt>83</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>83</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ESG AW MSCI EAFE</titleOfClass>
         <cusip>46435G516</cusip>
         <value>3467</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>50</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS DEC2026</titleOfClass>
         <cusip>46435GAA0</cusip>
         <value>1689390</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72397</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>72397</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CYBERSECURITY</titleOfClass>
         <cusip>46435U135</cusip>
         <value>11553</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>ISHARES TR</nameOfIssuer>
         <titleOfClass>BB RAT CORP BD</titleOfClass>
         <cusip>46435U473</cusip>
         <value>47620</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1088</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1088</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBDS DEC28 ETF</titleOfClass>
         <cusip>46435U515</cusip>
         <value>1851</value>
         <shrsOrPrnAmt>
             <sshPrnamt>77</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>77</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ESG AWARE MSCI</titleOfClass>
         <cusip>46435U663</cusip>
         <value>3214</value>
         <shrsOrPrnAmt>
             <sshPrnamt>96</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>96</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>US INFRASTRUC</titleOfClass>
         <cusip>46435U713</cusip>
         <value>75741</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2070</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2070</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>BROAD USD HIGH</titleOfClass>
         <cusip>46435U853</cusip>
         <value>81990</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2362</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2362</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS DEC 29</titleOfClass>
         <cusip>46436E205</cusip>
         <value>1629496</value>
         <shrsOrPrnAmt>
             <sshPrnamt>74406</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>74406</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS DEC 2032</titleOfClass>
         <cusip>46436E312</cusip>
         <value>1601761</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68218</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>68218</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS DEC 2031</titleOfClass>
         <cusip>46436E460</cusip>
         <value>1820</value>
         <shrsOrPrnAmt>
             <sshPrnamt>93</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>93</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>0-3 MNTH TREASRY</titleOfClass>
         <cusip>46436E718</cusip>
         <value>8290180</value>
         <shrsOrPrnAmt>
             <sshPrnamt>82350</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>82323</Sole>
             <Shared>0</Shared>
             <None>27</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS DEC 2030</titleOfClass>
         <cusip>46436E726</cusip>
         <value>1834</value>
         <shrsOrPrnAmt>
             <sshPrnamt>90</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>90</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>ESG MSCI USA ETF</titleOfClass>
         <cusip>46436E767</cusip>
         <value>5892</value>
         <shrsOrPrnAmt>
             <sshPrnamt>170</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>170</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS 29 TRM TS</titleOfClass>
         <cusip>46436E825</cusip>
         <value>1848</value>
         <shrsOrPrnAmt>
             <sshPrnamt>88</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>88</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS 27 TRM TS</titleOfClass>
         <cusip>46436E841</cusip>
         <value>1879</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>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS 25 TRM TS</titleOfClass>
         <cusip>46436E866</cusip>
         <value>1893</value>
         <shrsOrPrnAmt>
             <sshPrnamt>82</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>82</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS 24 TRM TS</titleOfClass>
         <cusip>46436E874</cusip>
         <value>25414</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1066</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1066</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>IBONDS 23 TRM TS</titleOfClass>
         <cusip>46436E882</cusip>
         <value>1911</value>
         <shrsOrPrnAmt>
             <sshPrnamt>77</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>77</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>46625H100</cusip>
         <value>9268242</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63896</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>62690</Sole>
             <Shared>0</Shared>
             <None>1206</None>
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     <infoTable>
         <nameOfIssuer>JABIL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>466313103</cusip>
         <value>470562</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3708</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3708</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>JACK IN THE BOX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>466367109</cusip>
         <value>33356</value>
         <shrsOrPrnAmt>
             <sshPrnamt>483</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>483</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
         <titleOfClass>ACTIVE VALUE ETF</titleOfClass>
         <cusip>46641Q167</cusip>
         <value>101547</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1981</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1981</Sole>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
         <titleOfClass>EQUITY PREMIUM</titleOfClass>
         <cusip>46641Q332</cusip>
         <value>264487</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4938</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4938</Sole>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
         <titleOfClass>ULTRA SHT MUNCPL</titleOfClass>
         <cusip>46641Q654</cusip>
         <value>16245</value>
         <shrsOrPrnAmt>
             <sshPrnamt>322</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>322</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
         <titleOfClass>CORE PLUS BD ETF</titleOfClass>
         <cusip>46641Q670</cusip>
         <value>72458</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1622</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1622</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
         <titleOfClass>DIVERSFD EQT ETF</titleOfClass>
         <cusip>46641Q845</cusip>
         <value>101565</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2585</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2585</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>65339F101</cusip>
         <value>4927411</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86005</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>84067</Sole>
             <Shared>0</Shared>
             <None>1938</None>
         </votingAuthority>
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         <nameOfIssuer>NEXPOINT RESIDENTIAL TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>65341D102</cusip>
         <value>3282</value>
         <shrsOrPrnAmt>
             <sshPrnamt>102</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>653656108</cusip>
         <value>8330</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>49</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>NIKE INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>654106103</cusip>
         <value>3994991</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41779</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>41060</Sole>
             <Shared>0</Shared>
             <None>719</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NIKOLA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>654110105</cusip>
         <value>79</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>50</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NISOURCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>65473P105</cusip>
         <value>2246</value>
         <shrsOrPrnAmt>
             <sshPrnamt>91</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>91</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     </infoTable>
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         <nameOfIssuer>NLIGHT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>65487K100</cusip>
         <value>32657</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3140</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>NOKIA CORP</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>654902204</cusip>
         <value>7027</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1879</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1879</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>NORDSON CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>655663102</cusip>
         <value>236561</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1060</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORDSTROM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>655664100</cusip>
         <value>20617</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1380</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1380</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>655844108</cusip>
         <value>437958</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2226</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2226</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NORTHERN OIL &amp; GAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>665531307</cusip>
         <value>9574</value>
         <shrsOrPrnAmt>
             <sshPrnamt>238</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>238</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORTHERN TR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>665859104</cusip>
         <value>29112</value>
         <shrsOrPrnAmt>
             <sshPrnamt>419</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>419</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>666807102</cusip>
         <value>1222114</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2775</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2775</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NORTHWEST BANCSHARES INC MD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>667340103</cusip>
         <value>8003</value>
         <shrsOrPrnAmt>
             <sshPrnamt>782</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>782</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORTHWEST NAT HLDG CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>66765N105</cusip>
         <value>2175</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>57</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GEN DIGITAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>668771108</cusip>
         <value>19625</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1110</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1110</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NOVAGOLD RES INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>66987E206</cusip>
         <value>4846</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1262</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1262</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>66987V109</cusip>
         <value>869961</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8541</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8461</Sole>
             <Shared>0</Shared>
             <None>80</None>
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     <infoTable>
         <nameOfIssuer>NOVANTA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67000B104</cusip>
         <value>2438</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>17</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOVO-NORDISK A S</nameOfIssuer>
         <titleOfClass>ADR</titleOfClass>
         <cusip>670100205</cusip>
         <value>656918</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7224</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7198</Sole>
             <Shared>0</Shared>
             <None>26</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUCOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670346105</cusip>
         <value>51952</value>
         <shrsOrPrnAmt>
             <sshPrnamt>332</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>332</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSTAR ENERGY LP</nameOfIssuer>
         <titleOfClass>UNIT COM</titleOfClass>
         <cusip>67058H102</cusip>
         <value>6124</value>
         <shrsOrPrnAmt>
             <sshPrnamt>351</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>351</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670657105</cusip>
         <value>64217</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6634</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6634</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
         <value>11576362</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26610</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>26450</Sole>
             <Shared>0</Shared>
             <None>160</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066V101</cusip>
         <value>239000</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23570</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>23570</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN MUN HIGH INCOME OPPOR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670682103</cusip>
         <value>9002</value>
         <shrsOrPrnAmt>
             <sshPrnamt>970</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>970</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN MUNICIPAL CREDIT INC</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>67070X101</cusip>
         <value>30591</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2933</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2933</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67071L106</cusip>
         <value>38476</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3732</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3732</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME SECS FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072C105</cusip>
         <value>28166</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4565</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4565</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CR STRATEGIES INCOME</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67073D102</cusip>
         <value>5819</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1150</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1150</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67077M108</cusip>
         <value>351931</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5698</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5663</Sole>
             <Shared>0</Shared>
             <None>35</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN VRIABL RAT PFD &amp; INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67080R102</cusip>
         <value>706112</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45061</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>45061</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670837103</cusip>
         <value>8600</value>
         <shrsOrPrnAmt>
             <sshPrnamt>258</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>258</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670928100</cusip>
         <value>32577</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3944</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3944</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
         <cusip>67092P607</cusip>
         <value>105505</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3030</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3030</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103H107</cusip>
         <value>1476002</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1624</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1594</Sole>
             <Shared>0</Shared>
             <None>30</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CHORD ENERGY CORPORATION</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>674215207</cusip>
         <value>9238</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>57</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>674599105</cusip>
         <value>168775</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2601</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>2601</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>*W EXP 08/03/202</titleOfClass>
         <cusip>674599162</cusip>
         <value>3936</value>
         <shrsOrPrnAmt>
             <sshPrnamt>91</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>91</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>679580100</cusip>
         <value>211947</value>
         <shrsOrPrnAmt>
             <sshPrnamt>518</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>518</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>OLD NATL BANCORP IND</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>680033107</cusip>
         <value>1832</value>
         <shrsOrPrnAmt>
             <sshPrnamt>126</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>126</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OLD REP INTL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>680223104</cusip>
         <value>11338</value>
         <shrsOrPrnAmt>
             <sshPrnamt>421</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>421</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>OLIN CORP</nameOfIssuer>
         <titleOfClass>COM PAR $1</titleOfClass>
         <cusip>680665205</cusip>
         <value>6348</value>
         <shrsOrPrnAmt>
             <sshPrnamt>127</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>127</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>681116109</cusip>
         <value>5402</value>
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             <sshPrnamt>70</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>70</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>681919106</cusip>
         <value>191763</value>
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             <sshPrnamt>2575</sshPrnamt>
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             <Sole>2575</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OMNICELL COM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68213N109</cusip>
         <value>5314</value>
         <shrsOrPrnAmt>
             <sshPrnamt>118</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>118</Sole>
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     <infoTable>
         <nameOfIssuer>ON SEMICONDUCTOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682189105</cusip>
         <value>42385</value>
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             <sshPrnamt>456</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>456</Sole>
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     <infoTable>
         <nameOfIssuer>ONE GAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68235P108</cusip>
         <value>5121</value>
         <shrsOrPrnAmt>
             <sshPrnamt>75</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>75</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682680103</cusip>
         <value>157782</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2488</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2488</Sole>
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             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>ONEMAIN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68268W103</cusip>
         <value>33798</value>
         <shrsOrPrnAmt>
             <sshPrnamt>843</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>843</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ONTO INNOVATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>683344105</cusip>
         <value>107118</value>
         <shrsOrPrnAmt>
             <sshPrnamt>840</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>840</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OPENDOOR TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>683712103</cusip>
         <value>57177</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21658</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21319</Sole>
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             <None>339</None>
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     <infoTable>
         <nameOfIssuer>OPORTUN FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68376D104</cusip>
         <value>37803</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5236</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>5236</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ORACLE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68389X105</cusip>
         <value>1895263</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17893</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>17861</Sole>
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             <None>32</None>
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     <infoTable>
         <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>68622V106</cusip>
         <value>107425</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6187</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>75</None>
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     <infoTable>
         <nameOfIssuer>OSHKOSH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>688239201</cusip>
         <value>54242</value>
         <shrsOrPrnAmt>
             <sshPrnamt>568</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>568</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68902V107</cusip>
         <value>43196</value>
         <shrsOrPrnAmt>
             <sshPrnamt>537</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>487</Sole>
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             <None>50</None>
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     <infoTable>
         <nameOfIssuer>OUTFRONT MEDIA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69007J106</cusip>
         <value>55045</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5450</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>OWENS CORNING NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>690742101</cusip>
         <value>64385</value>
         <shrsOrPrnAmt>
             <sshPrnamt>472</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>472</Sole>
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     <infoTable>
         <nameOfIssuer>BLUE OWL CAPITAL CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69121K104</cusip>
         <value>230162</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16618</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>16298</Sole>
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             <None>320</None>
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     <infoTable>
         <nameOfIssuer>OXFORD INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>691497309</cusip>
         <value>961</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>10</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PG&amp;E CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69331C108</cusip>
         <value>26518</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1644</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1644</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PGT INNOVATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69336V101</cusip>
         <value>39102</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1409</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1409</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PJT PARTNERS INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>69343T107</cusip>
         <value>2304</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>29</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PGIM ETF TR</nameOfIssuer>
         <titleOfClass>PGIM ULTRA SH BD</titleOfClass>
         <cusip>69344A107</cusip>
         <value>49490</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1000</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693475105</cusip>
         <value>403876</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3290</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>3290</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PPG INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693506107</cusip>
         <value>949619</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7316</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>7266</Sole>
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             <None>50</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PPL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69351T106</cusip>
         <value>95133</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4038</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>4038</Sole>
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     <infoTable>
         <nameOfIssuer>PIMCO DYNAMIC INCOME OPRNTS</nameOfIssuer>
         <titleOfClass>COM BEN SHS</titleOfClass>
         <cusip>69355M107</cusip>
         <value>13789</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1161</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1161</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PTC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69370C100</cusip>
         <value>10768</value>
         <shrsOrPrnAmt>
             <sshPrnamt>76</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>76</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PACCAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693718108</cusip>
         <value>179547</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2112</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1906</Sole>
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             <None>206</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
         <titleOfClass>DATA AND INFRAST</titleOfClass>
         <cusip>69374H741</cusip>
         <value>2201</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
         <titleOfClass>PACER US SMALL</titleOfClass>
         <cusip>69374H857</cusip>
         <value>106503</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2554</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2554</Sole>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
         <titleOfClass>DEVELOPED MRKT</titleOfClass>
         <cusip>69374H873</cusip>
         <value>59352</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1987</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1987</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
         <titleOfClass>US CASH COWS 100</titleOfClass>
         <cusip>69374H881</cusip>
         <value>869874</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17599</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>REYNOLDS CONSUMER PRODS INC</nameOfIssuer>
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         <nameOfIssuer>ROBERT HALF INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>770323103</cusip>
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             <Sole>100</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>773903109</cusip>
         <value>365240</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1277</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1273</Sole>
             <Shared>0</Shared>
             <None>4</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROGERS COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>775109200</cusip>
         <value>307</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROLLINS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>775711104</cusip>
         <value>261720</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7011</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7011</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>776696106</cusip>
         <value>1440458</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2974</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2839</Sole>
             <Shared>0</Shared>
             <None>135</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>778296103</cusip>
         <value>279013</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2470</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2360</Sole>
             <Shared>0</Shared>
             <None>110</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROYAL BK CDA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>780087102</cusip>
         <value>36025</value>
         <shrsOrPrnAmt>
             <sshPrnamt>412</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>412</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHELL PLC</nameOfIssuer>
         <titleOfClass>SPON ADS</titleOfClass>
         <cusip>780259305</cusip>
         <value>257892</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4005</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3989</Sole>
             <Shared>0</Shared>
             <None>16</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROYAL GOLD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>780287108</cusip>
         <value>39965</value>
         <shrsOrPrnAmt>
             <sshPrnamt>376</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>376</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROYCE VALUE TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>780910105</cusip>
         <value>215072</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16711</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14442</Sole>
             <Shared>0</Shared>
             <None>2269</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RYANAIR HOLDINGS PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>783513203</cusip>
         <value>54633</value>
         <shrsOrPrnAmt>
             <sshPrnamt>562</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>562</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RYDER SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>783549108</cusip>
         <value>57111</value>
         <shrsOrPrnAmt>
             <sshPrnamt>534</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>534</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RYMAN HOSPITALITY PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78377T107</cusip>
         <value>1083</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
         <value>963635</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2637</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2575</Sole>
             <Shared>0</Shared>
             <None>62</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>78410G104</cusip>
         <value>55698</value>
         <shrsOrPrnAmt>
             <sshPrnamt>278</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>264</Sole>
             <Shared>0</Shared>
             <None>14</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEI INVTS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>784117103</cusip>
         <value>8614</value>
         <shrsOrPrnAmt>
             <sshPrnamt>143</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>143</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>4099222</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9589</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9589</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPS COMM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78463M107</cusip>
         <value>80355</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>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>3205108</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18694</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15737</Sole>
             <Shared>0</Shared>
             <None>2957</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>GLB NAT RESRCE</titleOfClass>
         <cusip>78463X541</cusip>
         <value>12605</value>
         <shrsOrPrnAmt>
             <sshPrnamt>226</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>226</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
         <cusip>78463X889</cusip>
         <value>69771</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2250</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2250</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>23816</value>
         <shrsOrPrnAmt>
             <sshPrnamt>325</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>325</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLOOMBERG</titleOfClass>
         <cusip>78464A284</cusip>
         <value>23820</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>14345</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>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BBG CONV SEC ETF</titleOfClass>
         <cusip>78464A359</cusip>
         <value>41155</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>2745</value>
         <shrsOrPrnAmt>
             <sshPrnamt>132</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>132</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
         <cusip>78464A409</cusip>
         <value>257484</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4343</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4343</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>19722</value>
         <shrsOrPrnAmt>
             <sshPrnamt>478</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>478</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
         <cusip>78464A664</cusip>
         <value>629028</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24054</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13706</Sole>
             <Shared>0</Shared>
             <None>10348</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P METALS MNG</titleOfClass>
         <cusip>78464A755</cusip>
         <value>3256</value>
         <shrsOrPrnAmt>
             <sshPrnamt>62</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>62</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>248451</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2161</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2161</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>1957</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>48197</value>
         <shrsOrPrnAmt>
             <sshPrnamt>697</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>697</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>54679</value>
         <shrsOrPrnAmt>
             <sshPrnamt>843</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>843</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>14604</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P HOMEBUILD</titleOfClass>
         <cusip>78464A888</cusip>
         <value>24502</value>
         <shrsOrPrnAmt>
             <sshPrnamt>320</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>320</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>135343</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2576</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2487</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>220961</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7673</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7673</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>BLACKSTONE SENR</titleOfClass>
         <cusip>78467V608</cusip>
         <value>14508</value>
         <shrsOrPrnAmt>
             <sshPrnamt>346</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>346</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
         <titleOfClass>UT SER 1</titleOfClass>
         <cusip>78467X109</cusip>
         <value>1014195</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3028</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3028</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>287736</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>11752</value>
         <shrsOrPrnAmt>
             <sshPrnamt>130</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>130</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>3360561</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36599</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>20272</Sole>
             <Shared>0</Shared>
             <None>16327</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG MU</titleOfClass>
         <cusip>78468R721</cusip>
         <value>34917</value>
         <shrsOrPrnAmt>
             <sshPrnamt>799</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>786</Sole>
             <Shared>0</Shared>
             <None>13</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>84046</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1818</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1788</Sole>
             <Shared>0</Shared>
             <None>30</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>SPDR S&amp;P 500 ETF</titleOfClass>
         <cusip>78468R796</cusip>
         <value>40495</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1166</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1166</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>6679</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>1486</value>
         <shrsOrPrnAmt>
             <sshPrnamt>331</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>331</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAIA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78709Y105</cusip>
         <value>266701</value>
         <shrsOrPrnAmt>
             <sshPrnamt>669</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>669</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>3417251</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16852</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>16082</Sole>
             <Shared>0</Shared>
             <None>770</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANMINA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>801056102</cusip>
         <value>11887</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>166068</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3096</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2940</Sole>
             <Shared>0</Shared>
             <None>156</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>521100</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4030</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4030</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAREPTA THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>803607100</cusip>
         <value>11637</value>
         <shrsOrPrnAmt>
             <sshPrnamt>96</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>92</Sole>
             <Shared>0</Shared>
             <None>4</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806407102</cusip>
         <value>350617</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4722</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4722</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM STK</titleOfClass>
         <cusip>806857108</cusip>
         <value>71037</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>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>396673</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7225</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6916</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>45762</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>277845</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>65107</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>57989</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>13766</value>
         <shrsOrPrnAmt>
             <sshPrnamt>575</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>575</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>138283</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1954</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1954</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>67298</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>1543055</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32187</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18415</Sole>
             <Shared>0</Shared>
             <None>13772</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>1195966</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24973</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14908</Sole>
             <Shared>0</Shared>
             <None>10065</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US TIPS ETF</titleOfClass>
         <cusip>808524870</cusip>
         <value>5049</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>328</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>23</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCOTTS MIRACLE-GRO CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>810186106</cusip>
         <value>151877</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2939</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2859</Sole>
             <Shared>0</Shared>
             <None>80</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>28349</value>
         <shrsOrPrnAmt>
             <sshPrnamt>645</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>645</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81181C104</cusip>
         <value>155504</value>
         <shrsOrPrnAmt>
             <sshPrnamt>733</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>731</Sole>
             <Shared>0</Shared>
             <None>2</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81211K100</cusip>
         <value>58516</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1781</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1781</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>312761</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3980</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3979</Sole>
             <Shared>0</Shared>
             <None>1</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>1911473</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14847</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14844</Sole>
             <Shared>0</Shared>
             <None>3</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>1384134</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20117</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>20115</Sole>
             <Shared>0</Shared>
             <None>2</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>198010</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1230</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1228</Sole>
             <Shared>0</Shared>
             <None>2</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>556568</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6156</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6155</Sole>
             <Shared>0</Shared>
             <None>1</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>869784</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26221</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>26213</Sole>
             <Shared>0</Shared>
             <None>8</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>INDL</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>364283</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3593</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3592</Sole>
             <Shared>0</Shared>
             <None>1</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>2168901</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13231</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13226</Sole>
             <Shared>0</Shared>
             <None>5</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>144583</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2205</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2202</Sole>
             <Shared>0</Shared>
             <None>3</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>RL EST SEL SEC</titleOfClass>
         <cusip>81369Y860</cusip>
         <value>6098</value>
         <shrsOrPrnAmt>
             <sshPrnamt>179</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>179</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>279835</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4750</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4749</Sole>
             <Shared>0</Shared>
             <None>1</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816300107</cusip>
         <value>6293</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>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>477618</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7021</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6956</Sole>
             <Shared>0</Shared>
             <None>65</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSEONICS HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81727U105</cusip>
         <value>7851</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>3125740</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5592</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5574</Sole>
             <Shared>0</Shared>
             <None>18</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>1782941</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6983</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6818</Sole>
             <Shared>0</Shared>
             <None>165</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHIFT4 PMTS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82452J109</cusip>
         <value>7641</value>
         <shrsOrPrnAmt>
             <sshPrnamt>138</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>138</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOE CARNIVAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824889109</cusip>
         <value>4085</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>SHOCKWAVE MED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82489T104</cusip>
         <value>23694</value>
         <shrsOrPrnAmt>
             <sshPrnamt>119</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>119</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
         <value>311817</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5714</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5671</Sole>
             <Shared>0</Shared>
             <None>43</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHORE BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825107105</cusip>
         <value>534984</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50854</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>50854</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHUTTERSTOCK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825690100</cusip>
         <value>3234</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>85</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SILICON LABORATORIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>826919102</cusip>
         <value>4288</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>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>69030</value>
         <shrsOrPrnAmt>
             <sshPrnamt>639</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>639</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPLY GOOD FOODS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82900L102</cusip>
         <value>35626</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1032</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1032</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPSON MFG INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>829073105</cusip>
         <value>509060</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3398</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3398</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SINCLAIR INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>829242106</cusip>
         <value>1964</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>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982L103</cusip>
         <value>175873</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1076</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1076</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITIME CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982T106</cusip>
         <value>1028</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIX FLAGS ENTMT CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83001A102</cusip>
         <value>19067</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>SIXTH STREET SPECIALTY LENDI</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83012A109</cusip>
         <value>64794</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3170</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3170</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SKYLINE CHAMPION CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>830830105</cusip>
         <value>40844</value>
         <shrsOrPrnAmt>
             <sshPrnamt>641</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>641</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83088M102</cusip>
         <value>86903</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>SLEEP NUMBER CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83125X103</cusip>
         <value>37132</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1510</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1510</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>1833</value>
         <shrsOrPrnAmt>
             <sshPrnamt>74</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>74</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMITH A O CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>831865209</cusip>
         <value>60905</value>
         <shrsOrPrnAmt>
             <sshPrnamt>921</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>921</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMARTSHEET INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>83200N103</cusip>
         <value>1740</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>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>60103</value>
         <shrsOrPrnAmt>
             <sshPrnamt>489</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>489</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>584963</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2293</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2293</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>83304A106</cusip>
         <value>4321</value>
         <shrsOrPrnAmt>
             <sshPrnamt>485</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>485</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>833445109</cusip>
         <value>177051</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1159</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1159</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOFI TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83406F102</cusip>
         <value>3995</value>
         <shrsOrPrnAmt>
             <sshPrnamt>500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>88031M109</cusip>
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         <nameOfIssuer>THOMSON REUTERS CORP.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
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         <nameOfIssuer>UNITED CMNTY BKS BLAIRSVLE G</nameOfIssuer>
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         <cusip>90984P303</cusip>
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         <nameOfIssuer>UNITED BANKSHARES INC WEST V</nameOfIssuer>
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             <None>0</None>
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         <nameOfIssuer>UNITED AIRLS HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>910047109</cusip>
         <value>22715</value>
         <shrsOrPrnAmt>
             <sshPrnamt>537</sshPrnamt>
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         <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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         <cusip>911312106</cusip>
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         <shrsOrPrnAmt>
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         <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>911363109</cusip>
         <value>24007</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54</sshPrnamt>
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         <nameOfIssuer>US FOODS HLDG CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>516</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
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         <nameOfIssuer>UNITED THERAPEUTICS CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91307C102</cusip>
         <value>11294</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
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         <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>19660</sshPrnamt>
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         <value>37828</value>
         <shrsOrPrnAmt>
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             <Sole>1201</Sole>
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         <nameOfIssuer>UNIVERSAL DISPLAY CORP</nameOfIssuer>
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         <cusip>91347P105</cusip>
         <value>5966</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38</sshPrnamt>
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         <cusip>913903100</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>36</sshPrnamt>
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         <nameOfIssuer>UPWORK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>216</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>URANIUM ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>1267</value>
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         <nameOfIssuer>UTZ BRANDS INC</nameOfIssuer>
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         <value>4204</value>
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         <nameOfIssuer>V F CORP</nameOfIssuer>
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         <nameOfIssuer>VAIL RESORTS INC</nameOfIssuer>
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         <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>1822090</value>
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         <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>919794107</cusip>
         <value>582</value>
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             <sshPrnamt>68</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>VALMONT INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>920253101</cusip>
         <value>30265</value>
         <shrsOrPrnAmt>
             <sshPrnamt>126</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>VALVOLINE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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         <cusip>92189F676</cusip>
         <value>58573</value>
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         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>AGRIBUSINESS ETF</titleOfClass>
         <cusip>92189F700</cusip>
         <value>18813</value>
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         <cusip>92189F791</cusip>
         <value>3868</value>
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         <value>5484</value>
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     <infoTable>
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         <cusip>92189H201</cusip>
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     <infoTable>
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         <cusip>92189H409</cusip>
         <value>138208</value>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>OIL SERVICES ETF</titleOfClass>
         <cusip>92189H607</cusip>
         <value>121277</value>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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         <cusip>92189H805</cusip>
         <value>3848</value>
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     <infoTable>
         <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
         <titleOfClass>DIV APP ETF</titleOfClass>
         <cusip>921908844</cusip>
         <value>3261907</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>19983</Sole>
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             <None>999</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
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         <cusip>921909768</cusip>
         <value>445248</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>7782</Sole>
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             <None>538</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>EXTENDED DUR</titleOfClass>
         <cusip>921910709</cusip>
         <value>486916</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>6840</Sole>
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             <None>113</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ESG US STK ETF</titleOfClass>
         <cusip>921910733</cusip>
         <value>39478</value>
         <shrsOrPrnAmt>
             <sshPrnamt>525</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>525</Sole>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA GRWTH IND</titleOfClass>
         <cusip>921910816</cusip>
         <value>62225</value>
         <shrsOrPrnAmt>
             <sshPrnamt>274</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>24</Sole>
             <Shared>0</Shared>
             <None>250</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>SMLLCP 600 IDX</titleOfClass>
         <cusip>921932828</cusip>
         <value>1995148</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22828</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21777</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>2442683</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28898</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>27798</Sole>
             <Shared>0</Shared>
             <None>1100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>LONG TERM BOND</titleOfClass>
         <cusip>921937793</cusip>
         <value>46337</value>
         <shrsOrPrnAmt>
             <sshPrnamt>691</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>691</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>INTERMED TERM</titleOfClass>
         <cusip>921937819</cusip>
         <value>55028</value>
         <shrsOrPrnAmt>
             <sshPrnamt>761</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>761</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>868441</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11553</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11553</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>95595</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1369</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1369</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>7540060</value>
         <shrsOrPrnAmt>
             <sshPrnamt>172459</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>168359</Sole>
             <Shared>0</Shared>
             <None>4100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>1216837</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11766</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11678</Sole>
             <Shared>0</Shared>
             <None>88</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL HIGH ETF</titleOfClass>
         <cusip>921946794</cusip>
         <value>23456</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>191</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>VANGUARD MALVERN FDS</nameOfIssuer>
         <titleOfClass>STRM INFPROIDX</titleOfClass>
         <cusip>922020805</cusip>
         <value>25058</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>129618</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2710</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2710</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>8929</value>
         <shrsOrPrnAmt>
             <sshPrnamt>229</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>229</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>359364</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3857</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3857</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>183672</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3541</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3341</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>3098519</value>
         <shrsOrPrnAmt>
             <sshPrnamt>79021</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>77244</Sole>
             <Shared>0</Shared>
             <None>1777</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EUROPE ETF</titleOfClass>
         <cusip>922042874</cusip>
         <value>6372</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>21011</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>17719</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>253481</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>9671</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>9431</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>25153</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>169935</value>
         <shrsOrPrnAmt>
             <sshPrnamt>409</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>409</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>MATERIALS ETF</titleOfClass>
         <cusip>92204A801</cusip>
         <value>64525</value>
         <shrsOrPrnAmt>
             <sshPrnamt>374</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>374</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>UTILITIES ETF</titleOfClass>
         <cusip>92204A876</cusip>
         <value>22958</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>902382</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12008</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12008</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>1850656</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25905</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21449</Sole>
             <Shared>0</Shared>
             <None>4456</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000GRW</titleOfClass>
         <cusip>92206C680</cusip>
         <value>55505</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>140356</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2106</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2106</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000IDX</titleOfClass>
         <cusip>92206C730</cusip>
         <value>46329</value>
         <shrsOrPrnAmt>
             <sshPrnamt>238</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>238</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
         <cusip>92206C771</cusip>
         <value>2351195</value>
         <shrsOrPrnAmt>
             <sshPrnamt>53705</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>31088</Sole>
             <Shared>0</Shared>
             <None>22617</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>LONG TERM TREAS</titleOfClass>
         <cusip>92206C847</cusip>
         <value>4496</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>164085</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2160</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2160</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VAXART INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>92243A200</cusip>
         <value>1282</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1700</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>922475108</cusip>
         <value>595705</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2928</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2778</Sole>
             <Shared>0</Shared>
             <None>150</None>
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     <infoTable>
         <nameOfIssuer>VENTAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92276F100</cusip>
         <value>230069</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>108419</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2254</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2254</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>21848214</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55631</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>52422</Sole>
             <Shared>0</Shared>
             <None>3209</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>758569</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5792</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4733</Sole>
             <Shared>0</Shared>
             <None>1059</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>818236</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4201</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3169</Sole>
             <Shared>0</Shared>
             <None>1032</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>30414</value>
         <shrsOrPrnAmt>
             <sshPrnamt>142</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>142</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>150080</value>
         <shrsOrPrnAmt>
             <sshPrnamt>941</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <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>419605</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2015</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2015</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>EXTEND MKT ETF</titleOfClass>
         <cusip>922908652</cusip>
         <value>72010</value>
         <shrsOrPrnAmt>
             <sshPrnamt>502</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>502</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>2826062</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10360</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10295</Sole>
             <Shared>0</Shared>
             <None>65</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>4271181</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30960</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>30545</Sole>
             <Shared>0</Shared>
             <None>415</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>381544</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2018</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1934</Sole>
             <Shared>0</Shared>
             <None>84</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>566434</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2667</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2667</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERACYTE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92337F107</cusip>
         <value>1474</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <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>2633</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>2873188</value>
         <shrsOrPrnAmt>
             <sshPrnamt>88654</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>87593</Sole>
             <Shared>0</Shared>
             <None>1061</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>97599</value>
         <shrsOrPrnAmt>
             <sshPrnamt>413</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>413</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>3703</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>764676</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2199</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2181</Sole>
             <Shared>0</Shared>
             <None>18</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERTIV HOLDINGS CO</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92537N108</cusip>
         <value>20348</value>
         <shrsOrPrnAmt>
             <sshPrnamt>547</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>547</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERVE THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92539P101</cusip>
         <value>153153</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11550</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11550</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIAVI SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925550105</cusip>
         <value>393</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>132225</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10250</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10250</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIATRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>87543</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8878</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8878</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925652109</cusip>
         <value>442931</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15221</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14896</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>139616</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2499</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2499</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
         <titleOfClass>VCSHS US SMCP HG</titleOfClass>
         <cusip>92647N873</cusip>
         <value>161390</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>540</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>3176</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>7460886</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32433</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>31713</Sole>
             <Shared>0</Shared>
             <None>720</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISTEON CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>92839U206</cusip>
         <value>2209</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>73859</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2226</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2226</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIRTUS DIVIDEND INTEREST &amp; P</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92840R101</cusip>
         <value>11330</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>VITAL FARMS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92847W103</cusip>
         <value>2351</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>59932</value>
         <shrsOrPrnAmt>
             <sshPrnamt>360</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>360</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VODAFONE GROUP PLC NEW</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>92857W308</cusip>
         <value>6097</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>136358</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4410</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4410</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VORNADO RLTY TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
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     <infoTable>
         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>4557190</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14831</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14681</Sole>
             <Shared>0</Shared>
             <None>150</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>BROOKFIELD INFRAST PARTNERS</nameOfIssuer>
         <titleOfClass>LP INT UNIT</titleOfClass>
         <cusip>G16252101</cusip>
         <value>23927</value>
         <shrsOrPrnAmt>
             <sshPrnamt>814</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>814</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CLARIVATE PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G21810109</cusip>
         <value>294141</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43836</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>41661</Sole>
             <Shared>0</Shared>
             <None>2175</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CREDO TECHNOLOGY GROUP HOLDI</nameOfIssuer>
         <titleOfClass>ORDINARY SHARES</titleOfClass>
         <cusip>G25457105</cusip>
         <value>1891</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>CRH PLC</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G25508105</cusip>
         <value>2955</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>54</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G25839104</cusip>
         <value>15119</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>4933434</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23121</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>23055</Sole>
             <Shared>0</Shared>
             <None>66</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ESSENT GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G3198U102</cusip>
         <value>993</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 GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G3223R108</cusip>
         <value>24531</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>FABRINET</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3323L100</cusip>
         <value>23160</value>
         <shrsOrPrnAmt>
             <sshPrnamt>139</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>39</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FERGUSON PLC NEW</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3421J106</cusip>
         <value>40132</value>
         <shrsOrPrnAmt>
             <sshPrnamt>244</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>198</Sole>
             <Shared>0</Shared>
             <None>46</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEX LNG LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G35947202</cusip>
         <value>14568</value>
         <shrsOrPrnAmt>
             <sshPrnamt>483</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>483</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FTAI AVIATION LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3730V105</cusip>
         <value>228764</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6435</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6435</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GENPACT LIMITED</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3922B107</cusip>
         <value>2501</value>
         <shrsOrPrnAmt>
             <sshPrnamt>69</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>69</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer>
         <titleOfClass>ORDINARY SHARES</titleOfClass>
         <cusip>G39387108</cusip>
         <value>5994</value>
         <shrsOrPrnAmt>
             <sshPrnamt>103</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>103</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HELEN OF TROY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G4388N106</cusip>
         <value>350</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>84107</value>
         <shrsOrPrnAmt>
             <sshPrnamt>727</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>727</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ICON PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G4705A100</cusip>
         <value>201684</value>
         <shrsOrPrnAmt>
             <sshPrnamt>819</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>819</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ICHOR HOLDINGS</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G4740B105</cusip>
         <value>37865</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1223</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1223</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JAMES RIV GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G5005R107</cusip>
         <value>31285</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2038</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2038</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G50871105</cusip>
         <value>46729</value>
         <shrsOrPrnAmt>
             <sshPrnamt>361</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>361</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>332466</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6247</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6079</Sole>
             <Shared>0</Shared>
             <None>168</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>3303372</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8858</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8824</Sole>
             <Shared>0</Shared>
             <None>34</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>3670715</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46837</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>46321</Sole>
             <Shared>0</Shared>
             <None>516</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>86171</value>
         <shrsOrPrnAmt>
             <sshPrnamt>874</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>800</Sole>
             <Shared>0</Shared>
             <None>74</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ALPHA &amp; OMEGA SEMICONDUCTOR</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6331P104</cusip>
         <value>2238</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>27351</value>
         <shrsOrPrnAmt>
             <sshPrnamt>540</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>540</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOMAD FOODS LTD</nameOfIssuer>
         <titleOfClass>USD ORD SHS</titleOfClass>
         <cusip>G6564A105</cusip>
         <value>7350</value>
         <shrsOrPrnAmt>
             <sshPrnamt>483</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>483</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
         <value>7004</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>34128</value>
         <shrsOrPrnAmt>
             <sshPrnamt>644</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>644</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RENAISSANCERE HLDGS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G7496G103</cusip>
         <value>6347</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>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G7997R103</cusip>
         <value>98595</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1496</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1496</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>5893</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>53060</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1403</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1403</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMART GLOBAL HLDGS INC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8232Y101</cusip>
         <value>5600</value>
         <shrsOrPrnAmt>
             <sshPrnamt>230</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>230</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STERIS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G8473T100</cusip>
         <value>731234</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3333</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2967</Sole>
             <Shared>0</Shared>
             <None>366</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G87110105</cusip>
         <value>2441</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>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>514097</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2533</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G9456A100</cusip>
         <value>70435</value>
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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>79271</value>
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             <sshPrnamt>53</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>9079</value>
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             <sshPrnamt>43</sshPrnamt>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G97822103</cusip>
         <value>16006</value>
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             <sshPrnamt>501</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>379297</value>
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             <sshPrnamt>4922</sshPrnamt>
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             <Sole>4782</Sole>
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         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>3320442</value>
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             <sshPrnamt>15951</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>13299</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>
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             <sshPrnamt>100</sshPrnamt>
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         <nameOfIssuer>LOGITECH INTL S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H50430232</cusip>
         <value>3929</value>
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             <sshPrnamt>57</sshPrnamt>
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         <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H84989104</cusip>
         <value>672275</value>
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             <sshPrnamt>5442</sshPrnamt>
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         <nameOfIssuer>GLOBANT S A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>L44385109</cusip>
         <value>148781</value>
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             <sshPrnamt>752</sshPrnamt>
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         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>66339</value>
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             <sshPrnamt>429</sshPrnamt>
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         <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M22465104</cusip>
         <value>13328</value>
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             <sshPrnamt>100</sshPrnamt>
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         <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
         <value>10318</value>
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             <sshPrnamt>63</sshPrnamt>
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         <nameOfIssuer>INMODE LTD</nameOfIssuer>
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         <cusip>M5425M103</cusip>
         <value>31162</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>PERION NETWORK LTD</nameOfIssuer>
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         <cusip>M78673114</cusip>
         <value>34920</value>
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         <nameOfIssuer>AERCAP HOLDINGS NV</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N00985106</cusip>
         <value>382038</value>
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     <infoTable>
         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>2342854</value>
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             <sshPrnamt>3970</sshPrnamt>
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         <nameOfIssuer>CNH INDL N V</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N20944109</cusip>
         <value>20664</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1708</sshPrnamt>
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         <nameOfIssuer>FERRARI N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N3167Y103</cusip>
         <value>47287</value>
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             <sshPrnamt>160</sshPrnamt>
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         <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
         <titleOfClass>SHS - A -</titleOfClass>
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         <value>321704</value>
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         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>12395</value>
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         <nameOfIssuer>ONESPAWORLD HOLDINGS LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>P73684113</cusip>
         <value>45667</value>
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         <nameOfIssuer>STEVANATO GROUP S P A</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>T9224W109</cusip>
         <value>5736</value>
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             <sshPrnamt>193</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>193</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>V7780T103</cusip>
         <value>124209</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>FLEX LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>Y2573F102</cusip>
         <value>54392</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>STAR BULK CARRIERS CORP.</nameOfIssuer>
         <titleOfClass>SHS PAR</titleOfClass>
         <cusip>Y8162K204</cusip>
         <value>5573</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>289</Sole>
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     <infoTable>
         <nameOfIssuer>AFLAC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>001055102</cusip>
         <value>11712741</value>
         <shrsOrPrnAmt>
             <sshPrnamt>152609</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>62770</None>
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     <infoTable>
         <nameOfIssuer>AGNC INVT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00123Q104</cusip>
         <value>254880</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>27000</Sole>
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             <None>0</None>
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         <nameOfIssuer>AES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00130H105</cusip>
         <value>8172</value>
         <shrsOrPrnAmt>
             <sshPrnamt>538</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
         <titleOfClass>ALERIAN MLP</titleOfClass>
         <cusip>00162Q452</cusip>
         <value>109636</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2598</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>922</None>
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     <infoTable>
         <nameOfIssuer>AMC ENTMT HLDGS INC</nameOfIssuer>
         <titleOfClass>CL A NEW</titleOfClass>
         <cusip>00165C302</cusip>
         <value>96</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>2</None>
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     <infoTable>
         <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00206R102</cusip>
         <value>7114036</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>244683</None>
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         <nameOfIssuer>ARK ETF TR</nameOfIssuer>
         <titleOfClass>INNOVATION ETF</titleOfClass>
         <cusip>00214Q104</cusip>
         <value>15878</value>
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     <infoTable>
         <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>002824100</cusip>
         <value>24374133</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>184486</Sole>
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             <None>67183</None>
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     <infoTable>
         <nameOfIssuer>ABBVIE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00287Y109</cusip>
         <value>52649540</value>
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             <sshPrnamt>353210</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>277548</Sole>
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             <None>75662</None>
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         <nameOfIssuer>ADTRAN HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00486H105</cusip>
         <value>139589</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16961</sshPrnamt>
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         <cusip>008474108</cusip>
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         <value>27087</value>
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         <nameOfIssuer>ALBEMARLE CORP</nameOfIssuer>
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         <value>38440</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>02043Q107</cusip>
         <value>803090</value>
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         <cusip>02072L722</cusip>
         <value>10829</value>
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         <cusip>02156BAD5</cusip>
         <value>12426</value>
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         <cusip>02156BAF0</cusip>
         <value>11477</value>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>023608102</cusip>
         <value>172109</value>
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         <cusip>11284V105</cusip>
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         <nameOfIssuer>BROWN FORMAN CORP</nameOfIssuer>
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         <nameOfIssuer>CBOE GLOBAL MKTS INC</nameOfIssuer>
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         <nameOfIssuer>CDW CORP</nameOfIssuer>
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         <nameOfIssuer>CF INDS HLDGS INC</nameOfIssuer>
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         <nameOfIssuer>C H ROBINSON WORLDWIDE INC</nameOfIssuer>
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         <nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
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         <nameOfIssuer>CSX CORP</nameOfIssuer>
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         <nameOfIssuer>CTS CORP</nameOfIssuer>
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         <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
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         <value>11256</value>
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         <value>1378401</value>
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         <nameOfIssuer>CAMPBELL SOUP CO</nameOfIssuer>
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         <nameOfIssuer>CANOPY GROWTH CORP</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
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         <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
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         <cusip>14149Y108</cusip>
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             <None>1669</None>
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         <nameOfIssuer>CARLISLE COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>142339100</cusip>
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         <cusip>143658300</cusip>
         <value>7711</value>
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         <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
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         <cusip>14448C104</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>43436</None>
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         <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>149123101</cusip>
         <value>49596893</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <value>94393</value>
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             <sshPrnamt>1370</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1370</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DELTA AIR LINES INC DEL</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>247361702</cusip>
         <value>950414</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25687</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>16737</Sole>
             <Shared>0</Shared>
             <None>8950</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DENBURY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>24790A101</cusip>
         <value>294</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>3</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DENALI THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>24823R105</cusip>
         <value>10315</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>347476</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10172</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5982</Sole>
             <Shared>0</Shared>
             <None>4190</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DESKTOP METAL INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>25058X105</cusip>
         <value>146</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25179M103</cusip>
         <value>126167</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2645</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2645</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DEXCOM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>252131107</cusip>
         <value>342255</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3668</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2372</Sole>
             <Shared>0</Shared>
             <None>1296</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>25243Q205</cusip>
         <value>3838664</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25732</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22961</Sole>
             <Shared>0</Shared>
             <None>2771</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIAMONDBACK ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25278X109</cusip>
         <value>90047</value>
         <shrsOrPrnAmt>
             <sshPrnamt>581</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>574</Sole>
             <Shared>0</Shared>
             <None>7</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DICKS SPORTING GOODS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>253393102</cusip>
         <value>3475</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>13283436</value>
         <shrsOrPrnAmt>
             <sshPrnamt>109762</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>82070</Sole>
             <Shared>0</Shared>
             <None>27692</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIGITAL TURBINE INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>25400W102</cusip>
         <value>907500</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>18516524</value>
         <shrsOrPrnAmt>
             <sshPrnamt>618248</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>618248</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTL CORE EQT MK</titleOfClass>
         <cusip>25434V203</cusip>
         <value>5557644</value>
         <shrsOrPrnAmt>
             <sshPrnamt>212855</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>29762</Sole>
             <Shared>0</Shared>
             <None>183093</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>EMGR CRE EQT MNG</titleOfClass>
         <cusip>25434V302</cusip>
         <value>3384241</value>
         <shrsOrPrnAmt>
             <sshPrnamt>149944</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>149944</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US EQUITY ETF</titleOfClass>
         <cusip>25434V401</cusip>
         <value>4440931</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>392783</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7483</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6073</Sole>
             <Shared>0</Shared>
             <None>1410</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US TARGETED VLU</titleOfClass>
         <cusip>25434V609</cusip>
         <value>1233036</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26987</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>24580</Sole>
             <Shared>0</Shared>
             <None>2407</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>GLOBAL REAL EST</titleOfClass>
         <cusip>25434V658</cusip>
         <value>355883</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15881</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>15881</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US CORE EQUITY 2</titleOfClass>
         <cusip>25434V708</cusip>
         <value>3361617</value>
         <shrsOrPrnAmt>
             <sshPrnamt>128306</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>128306</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US SUSTAINABILTY</titleOfClass>
         <cusip>25434V716</cusip>
         <value>362215</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13055</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>13055</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US MKTWIDE VALUE</titleOfClass>
         <cusip>25434V724</cusip>
         <value>1374078</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>INTL HIGH PROFIT</titleOfClass>
         <cusip>25434V765</cusip>
         <value>834041</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35966</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>35966</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTERNATNAL VAL</titleOfClass>
         <cusip>25434V807</cusip>
         <value>133648</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4097</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4097</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>2351395</value>
         <shrsOrPrnAmt>
             <sshPrnamt>92794</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>203</Sole>
             <Shared>0</Shared>
             <None>92591</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US HIGH PROFITAB</titleOfClass>
         <cusip>25434V831</cusip>
         <value>9181443</value>
         <shrsOrPrnAmt>
             <sshPrnamt>357394</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>53181</Sole>
             <Shared>0</Shared>
             <None>304213</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>NATL MUN BD ETF</titleOfClass>
         <cusip>25434V849</cusip>
         <value>3740835</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>80500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>CORE FIXED INCOM</titleOfClass>
         <cusip>25434V872</cusip>
         <value>4763660</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>1012274</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>13482</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>24363336</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300596</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>214281</Sole>
             <Shared>0</Shared>
             <None>86315</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254709108</cusip>
         <value>7986420</value>
         <shrsOrPrnAmt>
             <sshPrnamt>92190</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>61988</Sole>
             <Shared>0</Shared>
             <None>30202</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DOCUSIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256163106</cusip>
         <value>3150</value>
         <shrsOrPrnAmt>
             <sshPrnamt>75</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>75</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DOLBY LABORATORIES INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>25659T107</cusip>
         <value>31466</value>
         <shrsOrPrnAmt>
             <sshPrnamt>397</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>397</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256677105</cusip>
         <value>129179</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1221</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1221</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DOLLAR TREE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256746108</cusip>
         <value>44009</value>
         <shrsOrPrnAmt>
             <sshPrnamt>413</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>413</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25746U109</cusip>
         <value>669938</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14997</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>EBAY INC.</nameOfIssuer>
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         <cusip>31620R303</cusip>
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         <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>316773100</cusip>
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         <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32054K103</cusip>
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         <cusip>33733E104</cusip>
         <value>32544</value>
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         <nameOfIssuer>FIRST TR NASDAQ 100 TECH IND</nameOfIssuer>
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         <value>8716</value>
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         <cusip>33736G106</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>FLAHERTY &amp; CRUMRINE PFD INCO</nameOfIssuer>
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         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
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         <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
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         <nameOfIssuer>FORTINET INC</nameOfIssuer>
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         <cusip>34959E109</cusip>
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         <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959J108</cusip>
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         <nameOfIssuer>FORTUNE BRANDS INNOVATIONS I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34964C106</cusip>
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         <nameOfIssuer>FORTREA HLDGS INC</nameOfIssuer>
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         <nameOfIssuer>FRANKLIN ELEC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>353514102</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>354613101</cusip>
         <value>376513</value>
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         <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
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         <cusip>35671D857</cusip>
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         <nameOfIssuer>FULTON FINL CORP PA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>360271100</cusip>
         <value>8283</value>
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         <nameOfIssuer>GATX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>GFL ENVIRONMENTAL INC</nameOfIssuer>
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         <value>611</value>
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         <nameOfIssuer>GABELLI DIVID &amp; INCOME TR</nameOfIssuer>
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         <cusip>36242H104</cusip>
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         <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I</nameOfIssuer>
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         <cusip>36266G107</cusip>
         <value>606844</value>
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             <None>4522</None>
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         <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>363576109</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>GARRETT MOTION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>IDACORP INC</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>IDEX CORP</nameOfIssuer>
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         <nameOfIssuer>IDEXX LABS INC</nameOfIssuer>
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         <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
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         <nameOfIssuer>ILLUMINA INC</nameOfIssuer>
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         <nameOfIssuer>IMPERIAL OIL LTD</nameOfIssuer>
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         <nameOfIssuer>INDIA FD INC</nameOfIssuer>
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         <nameOfIssuer>ING GROEP N.V.</nameOfIssuer>
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         <nameOfIssuer>INGERSOLL RAND INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>INGREDION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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     <infoTable>
         <nameOfIssuer>INNOVATIVE INDL PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45781V101</cusip>
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         <nameOfIssuer>INSULET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>33493</value>
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         <nameOfIssuer>INTEL CORP</nameOfIssuer>
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         <nameOfIssuer>INTEGER HLDGS CORP</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>INTELLIA THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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     <infoTable>
         <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>5852404</value>
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         <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA</nameOfIssuer>
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         <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
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         <nameOfIssuer>INTERPUBLIC GROUP COS INC</nameOfIssuer>
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         <nameOfIssuer>INVESCO ACTIVELY MANAGED ETF</nameOfIssuer>
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         <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>INTRA-CELLULAR THERAPIES INC</nameOfIssuer>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INTUIT</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>461202103</cusip>
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             <None>69600</None>
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     <infoTable>
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     <infoTable>
         <nameOfIssuer>INVESCO MUNICIPAL TRUST</nameOfIssuer>
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         <value>14178</value>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <cusip>46137V282</cusip>
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     <infoTable>
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         <cusip>46137V357</cusip>
         <value>11966216</value>
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     <infoTable>
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         <titleOfClass>INVESCO MSCI</titleOfClass>
         <cusip>46137V407</cusip>
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     <infoTable>
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             <sshPrnamt>1000</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>HIG YLD EQ DIV</titleOfClass>
         <cusip>46137V563</cusip>
         <value>518</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>27</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>FTSE RAFI 1500</titleOfClass>
         <cusip>46137V597</cusip>
         <value>96496</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2925</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>100</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>FTSE RAFI 1000</titleOfClass>
         <cusip>46137V613</cusip>
         <value>190920</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>LARGE CAP VALUE</titleOfClass>
         <cusip>46137V738</cusip>
         <value>6224</value>
         <shrsOrPrnAmt>
             <sshPrnamt>133</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>LARGE CAP GROWTH</titleOfClass>
         <cusip>46137V746</cusip>
         <value>7321</value>
         <shrsOrPrnAmt>
             <sshPrnamt>108</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
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         <cusip>46138B103</cusip>
         <value>4992</value>
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             <sshPrnamt>200</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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         <cusip>46138E206</cusip>
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         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>296</None>
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         <cusip>46138E354</cusip>
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         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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             <None>480</None>
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         <shrsOrPrnAmt>
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         <votingAuthority>
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             <None>14937</None>
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     <infoTable>
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         <titleOfClass>SR LN ETF</titleOfClass>
         <cusip>46138G508</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>147</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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         <cusip>46138G649</cusip>
         <value>13267</value>
         <shrsOrPrnAmt>
             <sshPrnamt>90</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>SOLAR ETF</titleOfClass>
         <cusip>46138G706</cusip>
         <value>970700</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18743</sshPrnamt>
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         <votingAuthority>
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             <None>8402</None>
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     <infoTable>
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         <cusip>46138G847</cusip>
         <value>16920</value>
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         <votingAuthority>
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             <None>0</None>
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     <infoTable>
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         <cusip>46138G870</cusip>
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     <infoTable>
         <nameOfIssuer>INVESCO CURRENCYSHARES EURO</nameOfIssuer>
         <titleOfClass>EURO SHS</titleOfClass>
         <cusip>46138K103</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>2569</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
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         <cusip>46140H106</cusip>
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             <sshPrnamt>17440</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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     <infoTable>
         <nameOfIssuer>INVITATION HOMES INC</nameOfIssuer>
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     <infoTable>
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             <None>143165</None>
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         <nameOfIssuer>IRON MTN INC DEL</nameOfIssuer>
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             <None>2809</None>
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     <infoTable>
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     <infoTable>
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             <None>1787</None>
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     <infoTable>
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         <cusip>464287184</cusip>
         <value>28546</value>
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             <sshPrnamt>1076</sshPrnamt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
         <cusip>464287200</cusip>
         <value>13965416</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32521</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>1322</None>
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     <infoTable>
         <nameOfIssuer>ISHARES TR</nameOfIssuer>
         <titleOfClass>CORE US AGGBD ET</titleOfClass>
         <cusip>464287226</cusip>
         <value>477486</value>
         <shrsOrPrnAmt>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>MSCI EAFE ETF</titleOfClass>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>ISHARES SEMICDTR</titleOfClass>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <cusip>46429B663</cusip>
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             <Shared>0</Shared>
             <None>36298</None>
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     <infoTable>
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         <cusip>670346105</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>29280</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>4</otherManager>
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             <Sole>25945</Sole>
             <Shared>0</Shared>
             <None>3335</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN SELECT MAT MUN FD</nameOfIssuer>
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         <cusip>67061T101</cusip>
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         <votingAuthority>
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             <Shared>0</Shared>
             <None>33000</None>
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         <nameOfIssuer>NUVEEN SELECT TAX-FREE INCOM</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>67062F100</cusip>
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             <sshPrnamt>1429</sshPrnamt>
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             <None>0</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
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             <Shared>0</Shared>
             <None>126150</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN NEW YORK QLT MUN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>22783</value>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN MUN HIGH INCOME OPPOR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>1652</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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             <None>0</None>
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         <nameOfIssuer>NUVEEN NASDAQ 100 DYNAMIC OV</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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             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN DOW 30 DYNMC OVERWRT</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>67075F105</cusip>
         <value>187320</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13673</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <None>0</None>
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     <infoTable>
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             <Shared>0</Shared>
             <None>33927</None>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG LRGVL</titleOfClass>
         <cusip>67092P300</cusip>
         <value>365795</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10890</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>10625</None>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
         <cusip>67092P607</cusip>
         <value>4010568</value>
         <shrsOrPrnAmt>
             <sshPrnamt>115180</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>NUVEEN PENNSYLVANIA QLT MUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670972108</cusip>
         <value>48480</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4767</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <Sole>4767</Sole>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>2000</sshPrnamt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <None>392</None>
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             <None>1708</None>
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     <infoTable>
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             <None>4</None>
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     <infoTable>
         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
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             <None>2200</None>
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             <None>616</None>
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             <None>100</None>
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         <titleOfClass>COM</titleOfClass>
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             <None>10</None>
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             <None>19</None>
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         <nameOfIssuer>BLUE OWL CAPITAL CORPORATION</nameOfIssuer>
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         <cusip>69325Q105</cusip>
         <value>107490</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Shared>0</Shared>
             <None>25839</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>69331C108</cusip>
         <value>10515</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>149</None>
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     <infoTable>
         <nameOfIssuer>PJT PARTNERS INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
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         <value>6355</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>7</None>
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     <infoTable>
         <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693475105</cusip>
         <value>10708716</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>19205</None>
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         <nameOfIssuer>PPG INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693506107</cusip>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
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         <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN</nameOfIssuer>
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         <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
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         <nameOfIssuer>PUTNAM MUN OPPORTUNITIES TR</nameOfIssuer>
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         <cusip>746922103</cusip>
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         <value>14283</value>
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         <nameOfIssuer>RAYONIER INC</nameOfIssuer>
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         <cusip>758750103</cusip>
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         <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>7591EP100</cusip>
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         <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
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         <cusip>759530108</cusip>
         <value>1187999</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>ROBERT HALF INC.</nameOfIssuer>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78464A763</cusip>
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         <shrsOrPrnAmt>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <value>11985</value>
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     <infoTable>
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         <value>17240</value>
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             <None>227</None>
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     <infoTable>
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         <value>1262</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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         <cusip>808524888</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
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         <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>3166542</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24596</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>24470</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>466188</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6775</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6475</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>1190564</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7396</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7345</Sole>
             <Shared>0</Shared>
             <None>51</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>1428775</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15807</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11019</Sole>
             <Shared>0</Shared>
             <None>4788</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>771810</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23268</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9413</Sole>
             <Shared>0</Shared>
             <None>13855</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>INDL</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>304546</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>1557008</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9498</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9423</Sole>
             <Shared>0</Shared>
             <None>75</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>22630</value>
         <shrsOrPrnAmt>
             <sshPrnamt>345</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>145</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>RL EST SEL SEC</titleOfClass>
         <cusip>81369Y860</cusip>
         <value>61973</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1819</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1650</Sole>
             <Shared>0</Shared>
             <None>169</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>249009</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4225</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3907</Sole>
             <Shared>0</Shared>
             <None>318</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>467230</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6868</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6466</Sole>
             <Shared>0</Shared>
             <None>402</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSEONICS HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81727U105</cusip>
         <value>453</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>SERVICE CORP INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>817565104</cusip>
         <value>27541</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>1538</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>104356155</value>
         <shrsOrPrnAmt>
             <sshPrnamt>186697</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>143729</Sole>
             <Shared>0</Shared>
             <None>42968</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVISFIRST BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81768T108</cusip>
         <value>3362284</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>33997264</value>
         <shrsOrPrnAmt>
             <sshPrnamt>133296</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>72269</Sole>
             <Shared>0</Shared>
             <None>61027</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
         <value>1796172</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32915</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>18820</Sole>
             <Shared>0</Shared>
             <None>14095</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>11432436</value>
         <shrsOrPrnAmt>
             <sshPrnamt>105826</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>54716</Sole>
             <Shared>0</Shared>
             <None>51110</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPSON MFG INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>829073105</cusip>
         <value>29962</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>24518</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>25633</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>401306</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16201</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>14640</Sole>
             <Shared>0</Shared>
             <None>1561</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMITH A O CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>831865209</cusip>
         <value>92582</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>1303570</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>515868</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4197</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3495</Sole>
             <Shared>0</Shared>
             <None>702</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>122429</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>6275</value>
         <shrsOrPrnAmt>
             <sshPrnamt>704</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>254</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>28072</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32000</sshPrnamt>
             <sshPrnamtType>PRN</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>32000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>833445109</cusip>
         <value>1212383</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7936</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5685</Sole>
             <Shared>0</Shared>
             <None>2251</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOCIEDAD QUIMICA Y MINERA DE</nameOfIssuer>
         <titleOfClass>SPON ADR SER B</titleOfClass>
         <cusip>833635105</cusip>
         <value>2469</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10</Sole>
             <Shared>0</Shared>
             <None>31</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOLAREDGE TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83417M104</cusip>
         <value>25536329</value>
         <shrsOrPrnAmt>
             <sshPrnamt>197177</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>98451</Sole>
             <Shared>0</Shared>
             <None>98726</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONO TEK CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>835483108</cusip>
         <value>313200</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>60000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONOCO PRODS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>835495102</cusip>
         <value>27175</value>
         <shrsOrPrnAmt>
             <sshPrnamt>500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONY GROUP CORP</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>835699307</cusip>
         <value>1704931</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20688</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>17631</Sole>
             <Shared>0</Shared>
             <None>3057</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHSTATE CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>840441109</cusip>
         <value>2261612</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33575</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>33575</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>842587107</cusip>
         <value>10667611</value>
         <shrsOrPrnAmt>
             <sshPrnamt>164827</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>126238</Sole>
             <Shared>0</Shared>
             <None>38589</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
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         <nameOfIssuer>SUMITOMO MITSUI FINL GROUP I</nameOfIssuer>
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             <None>0</None>
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         <cusip>904311206</cusip>
         <value>798</value>
         <shrsOrPrnAmt>
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         <value>1537434</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>907818108</cusip>
         <value>91094146</value>
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             <None>118189</None>
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         <nameOfIssuer>UNITED AIRLS HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>910047109</cusip>
         <value>27918</value>
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             <None>102</None>
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         <nameOfIssuer>UNITED STATES STL CORP NEW</nameOfIssuer>
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         <cusip>912909108</cusip>
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         <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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         <nameOfIssuer>UNITI GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91325V108</cusip>
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             <sshPrnamt>436</sshPrnamt>
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         <nameOfIssuer>UNIVERSAL DISPLAY CORP</nameOfIssuer>
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         <cusip>91347P105</cusip>
         <value>2681952</value>
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         <nameOfIssuer>VALE S A</nameOfIssuer>
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         <value>7879</value>
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         <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
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         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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         <cusip>92189F429</cusip>
         <value>740</value>
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         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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         <cusip>92189H300</cusip>
         <value>11028</value>
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         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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         <cusip>92189H409</cusip>
         <value>244025</value>
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             <None>2350</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
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         <cusip>921908844</cusip>
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     <infoTable>
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             <None>20000</None>
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         <cusip>921910840</cusip>
         <value>91260</value>
         <shrsOrPrnAmt>
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     <infoTable>
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         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
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         <cusip>921932828</cusip>
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             <None>135</None>
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         <cusip>921932885</cusip>
         <value>18258</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>216</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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         <cusip>921937819</cusip>
         <value>4301370</value>
         <shrsOrPrnAmt>
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             <None>11690</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>SHORT TRM BOND</titleOfClass>
         <cusip>921937827</cusip>
         <value>7688000</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>7552</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>13300917</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>54370</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
         <value>42343287</value>
         <shrsOrPrnAmt>
             <sshPrnamt>968511</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>717158</Sole>
             <Shared>0</Shared>
             <None>251353</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>2598197</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25147</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4899</Sole>
             <Shared>0</Shared>
             <None>20248</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
         <titleOfClass>STRM INFPROIDX</titleOfClass>
         <cusip>922020805</cusip>
         <value>35460</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>17677</value>
         <shrsOrPrnAmt>
             <sshPrnamt>370</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>248</Sole>
             <Shared>0</Shared>
             <None>122</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>GLB EX US ETF</titleOfClass>
         <cusip>922042676</cusip>
         <value>22229</value>
         <shrsOrPrnAmt>
             <sshPrnamt>571</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>220</Sole>
             <Shared>0</Shared>
             <None>351</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE SMCAP ETF</titleOfClass>
         <cusip>922042718</cusip>
         <value>35974922</value>
         <shrsOrPrnAmt>
             <sshPrnamt>338747</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1510</Sole>
             <Shared>0</Shared>
             <None>337237</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>TT WRLD ST ETF</titleOfClass>
         <cusip>922042742</cusip>
         <value>93087</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>12277713</value>
         <shrsOrPrnAmt>
             <sshPrnamt>236702</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>159042</Sole>
             <Shared>0</Shared>
             <None>77660</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>16625747</value>
         <shrsOrPrnAmt>
             <sshPrnamt>424018</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>137944</Sole>
             <Shared>0</Shared>
             <None>286074</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE PACIFIC ETF</titleOfClass>
         <cusip>922042866</cusip>
         <value>669134</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10005</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8150</Sole>
             <Shared>0</Shared>
             <None>1855</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EUROPE ETF</titleOfClass>
         <cusip>922042874</cusip>
         <value>1581199</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27295</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>16095</Sole>
             <Shared>0</Shared>
             <None>11200</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>CONSUM DIS ETF</titleOfClass>
         <cusip>92204A108</cusip>
         <value>18046371</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66995</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3287</Sole>
             <Shared>0</Shared>
             <None>63708</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>CONSUM STP ETF</titleOfClass>
         <cusip>92204A207</cusip>
         <value>9685609</value>
         <shrsOrPrnAmt>
             <sshPrnamt>53022</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>785</Sole>
             <Shared>0</Shared>
             <None>52237</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
         <value>17230299</value>
         <shrsOrPrnAmt>
             <sshPrnamt>135950</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>42768</Sole>
             <Shared>0</Shared>
             <None>93182</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>24228152</value>
         <shrsOrPrnAmt>
             <sshPrnamt>301645</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7177</Sole>
             <Shared>0</Shared>
             <None>294468</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
         <value>26643848</value>
         <shrsOrPrnAmt>
             <sshPrnamt>113330</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1293</Sole>
             <Shared>0</Shared>
             <None>112037</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>INDUSTRIAL ETF</titleOfClass>
         <cusip>92204A603</cusip>
         <value>16450717</value>
         <shrsOrPrnAmt>
             <sshPrnamt>84371</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>904</Sole>
             <Shared>0</Shared>
             <None>83467</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>INF TECH ETF</titleOfClass>
         <cusip>92204A702</cusip>
         <value>62106324</value>
         <shrsOrPrnAmt>
             <sshPrnamt>149690</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7691</Sole>
             <Shared>0</Shared>
             <None>141999</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>MATERIALS ETF</titleOfClass>
         <cusip>92204A801</cusip>
         <value>6908517</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40045</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1332</Sole>
             <Shared>0</Shared>
             <None>38713</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>UTILITIES ETF</titleOfClass>
         <cusip>92204A876</cusip>
         <value>167077</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1310</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>305</Sole>
             <Shared>0</Shared>
             <None>1005</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>COMM SRVC ETF</titleOfClass>
         <cusip>92204A884</cusip>
         <value>14939633</value>
         <shrsOrPrnAmt>
             <sshPrnamt>142025</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>917</Sole>
             <Shared>0</Shared>
             <None>141108</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHORT TERM TREAS</titleOfClass>
         <cusip>92206C102</cusip>
         <value>2822918</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49009</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>44489</Sole>
             <Shared>0</Shared>
             <None>4520</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>9690290</value>
         <shrsOrPrnAmt>
             <sshPrnamt>128946</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>93993</Sole>
             <Shared>0</Shared>
             <None>34953</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>TOTAL CORP BND</titleOfClass>
         <cusip>92206C573</cusip>
         <value>38543</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>140522</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>57900</value>
         <shrsOrPrnAmt>
             <sshPrnamt>846</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>846</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INTER TERM TREAS</titleOfClass>
         <cusip>92206C706</cusip>
         <value>28575</value>
         <shrsOrPrnAmt>
             <sshPrnamt>500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>328</Sole>
             <Shared>0</Shared>
             <None>172</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000VAL</titleOfClass>
         <cusip>92206C714</cusip>
         <value>21065</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>5213414</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26782</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>26782</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>447038</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10211</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9311</Sole>
             <Shared>0</Shared>
             <None>900</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
         <value>2854172</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37565</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6002</Sole>
             <Shared>0</Shared>
             <None>31563</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>922475108</cusip>
         <value>156657</value>
         <shrsOrPrnAmt>
             <sshPrnamt>770</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>55</Sole>
             <Shared>0</Shared>
             <None>715</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VENTAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92276F100</cusip>
         <value>25615</value>
         <shrsOrPrnAmt>
             <sshPrnamt>608</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>291</Sole>
             <Shared>0</Shared>
             <None>317</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
         <titleOfClass>TAX EXEMPT BD</titleOfClass>
         <cusip>922907746</cusip>
         <value>4558533</value>
         <shrsOrPrnAmt>
             <sshPrnamt>94772</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>81281</Sole>
             <Shared>0</Shared>
             <None>13491</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>7951663</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20249</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>17246</Sole>
             <Shared>0</Shared>
             <None>3003</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>128079</value>
         <shrsOrPrnAmt>
             <sshPrnamt>978</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>951</Sole>
             <Shared>0</Shared>
             <None>27</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>481861</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2474</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1404</Sole>
             <Shared>0</Shared>
             <None>1070</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>9670016</value>
         <shrsOrPrnAmt>
             <sshPrnamt>127809</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>51459</Sole>
             <Shared>0</Shared>
             <None>76350</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>5307737</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24782</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>23173</Sole>
             <Shared>0</Shared>
             <None>1609</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>2979947</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18684</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>17289</Sole>
             <Shared>0</Shared>
             <None>1395</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>54992625</value>
         <shrsOrPrnAmt>
             <sshPrnamt>264083</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3864</Sole>
             <Shared>0</Shared>
             <None>260219</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>LARGE CAP ETF</titleOfClass>
         <cusip>922908637</cusip>
         <value>4219859</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>150333</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1049</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>994</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>20825807</value>
         <shrsOrPrnAmt>
             <sshPrnamt>76478</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>76013</Sole>
             <Shared>0</Shared>
             <None>465</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>3985903</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28898</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>26913</Sole>
             <Shared>0</Shared>
             <None>1985</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>85597051</value>
         <shrsOrPrnAmt>
             <sshPrnamt>452727</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>227167</Sole>
             <Shared>0</Shared>
             <None>225560</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>14137860</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66559</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>57250</Sole>
             <Shared>0</Shared>
             <None>9309</None>
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     <infoTable>
         <nameOfIssuer>VERISIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343E102</cusip>
         <value>3033899</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>22914656</value>
         <shrsOrPrnAmt>
             <sshPrnamt>707024</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>491888</Sole>
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             <None>215136</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>6111494</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25870</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22890</Sole>
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             <None>2980</None>
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     <infoTable>
         <nameOfIssuer>VERICEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92346J108</cusip>
         <value>9218</value>
         <shrsOrPrnAmt>
             <sshPrnamt>275</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>275</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERRA MOBILITY CORP</nameOfIssuer>
         <titleOfClass>CL A COM STK</titleOfClass>
         <cusip>92511U102</cusip>
         <value>5610</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>300</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92532F100</cusip>
         <value>3701545</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10645</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10630</Sole>
             <Shared>0</Shared>
             <None>15</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERTIV HOLDINGS CO</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92537N108</cusip>
         <value>88799</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2387</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8</Sole>
             <Shared>0</Shared>
             <None>2379</None>
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     <infoTable>
         <nameOfIssuer>PARAMOUNT GLOBAL</nameOfIssuer>
         <titleOfClass>CLASS B COM</titleOfClass>
         <cusip>92556H206</cusip>
         <value>13410</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1040</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>240</Sole>
             <Shared>0</Shared>
             <None>800</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VIATRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>219783</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22290</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>14223</Sole>
             <Shared>0</Shared>
             <None>8067</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925652109</cusip>
         <value>8294</value>
         <shrsOrPrnAmt>
             <sshPrnamt>285</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>285</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>1147</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>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>179606529</value>
         <shrsOrPrnAmt>
             <sshPrnamt>780864</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>582873</Sole>
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             <None>197991</None>
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     <infoTable>
         <nameOfIssuer>VIRTUS DIVERSIFIED INCM &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92840N100</cusip>
         <value>2631</value>
         <shrsOrPrnAmt>
             <sshPrnamt>141</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>141</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>VMWARE INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>928563402</cusip>
         <value>158822</value>
         <shrsOrPrnAmt>
             <sshPrnamt>954</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>953</Sole>
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             <None>1</None>
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         <nameOfIssuer>VODAFONE GROUP PLC NEW</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>92857W308</cusip>
         <value>216827</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22872</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7239</Sole>
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             <None>15633</None>
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     <infoTable>
         <nameOfIssuer>VONTIER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>928881101</cusip>
         <value>294142</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9513</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2150</Sole>
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             <None>7363</None>
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     <infoTable>
         <nameOfIssuer>VORNADO RLTY TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>929042109</cusip>
         <value>159758</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7044</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5130</Sole>
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             <None>1914</None>
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     <infoTable>
         <nameOfIssuer>VOYA FINANCIAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929089100</cusip>
         <value>2658000</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>873466</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4324</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4321</Sole>
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             <None>3</None>
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     <infoTable>
         <nameOfIssuer>WD 40 CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929236107</cusip>
         <value>142268</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>WSFS FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929328102</cusip>
         <value>1452700</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39800</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>39800</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WPP PLC NEW</nameOfIssuer>
         <titleOfClass>ADR</titleOfClass>
         <cusip>92937A102</cusip>
         <value>1382</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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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>
         <value>936474</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11626</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>11476</Sole>
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             <None>150</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WM TECHNOLOGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92971A109</cusip>
         <value>79</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>60</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WABTEC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929740108</cusip>
         <value>683741</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6434</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6252</Sole>
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             <None>182</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WALMART INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931142103</cusip>
         <value>25830618</value>
         <shrsOrPrnAmt>
             <sshPrnamt>161512</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>132619</Sole>
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             <None>28893</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931427108</cusip>
         <value>1301068</value>
         <shrsOrPrnAmt>
             <sshPrnamt>58501</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22681</Sole>
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         <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
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         <nameOfIssuer>ZIONS BANCORPORATION N A</nameOfIssuer>
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         <value>182124</value>
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         <cusip>98986TAB4</cusip>
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         <nameOfIssuer>ALLEGION PLC</nameOfIssuer>
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         <value>490782</value>
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         <nameOfIssuer>AMCOR PLC</nameOfIssuer>
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         <cusip>G0250X107</cusip>
         <value>1625900</value>
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         <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G02602103</cusip>
         <value>973</value>
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         <cusip>G0450A105</cusip>
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         <nameOfIssuer>ASSURED GUARANTY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G0585R106</cusip>
         <value>66572</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>G1110E107</cusip>
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         <cusip>G16258108</cusip>
         <value>33262</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>G16962105</cusip>
         <value>119075</value>
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         <cusip>G21810109</cusip>
         <value>38213</value>
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         <titleOfClass>ORD</titleOfClass>
         <cusip>G25508105</cusip>
         <value>164</value>
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         <cusip>G25839104</cusip>
         <value>2063541</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>G3223R108</cusip>
         <value>40884</value>
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         <cusip>G3421J106</cusip>
         <value>493</value>
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         <value>290</value>
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         <cusip>G39387108</cusip>
         <value>143</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
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         <cusip>G46188101</cusip>
         <value>136283</value>
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             <sshPrnamt>1178</sshPrnamt>
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         <cusip>G4740B105</cusip>
         <value>15480</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G491BT108</cusip>
         <value>66345</value>
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         <cusip>G50871105</cusip>
         <value>240241</value>
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             <sshPrnamt>1856</sshPrnamt>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>310267</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>95587496</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>7974787</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>52127</None>
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         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>5379169</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54561</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>48451</Sole>
             <Shared>0</Shared>
             <None>6110</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NOBLE CORP PLC</nameOfIssuer>
         <titleOfClass>ORD SHS A</titleOfClass>
         <cusip>G65431127</cusip>
         <value>100996</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>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
         <value>12772</value>
         <shrsOrPrnAmt>
             <sshPrnamt>775</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>425</Sole>
             <Shared>0</Shared>
             <None>350</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>2120819</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40023</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>25163</Sole>
             <Shared>0</Shared>
             <None>14860</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PAGSEGURO DIGITAL LTD</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>G68707101</cusip>
         <value>54191</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6294</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2772</Sole>
             <Shared>0</Shared>
             <None>3522</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>RENAISSANCERE HLDGS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G7496G103</cusip>
         <value>79168</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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     <infoTable>
         <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G7997R103</cusip>
         <value>330187</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5007</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2887</Sole>
             <Shared>0</Shared>
             <None>2120</None>
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     <infoTable>
         <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>1639923</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25327</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15391</Sole>
             <Shared>0</Shared>
             <None>9936</None>
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         <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8060N102</cusip>
         <value>128550</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>11190</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>51</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G87110105</cusip>
         <value>10414</value>
         <shrsOrPrnAmt>
             <sshPrnamt>512</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>512</None>
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     <infoTable>
         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>3858252</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19015</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1208</Sole>
             <Shared>0</Shared>
             <None>17807</None>
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     <infoTable>
         <nameOfIssuer>VALARIS LTD</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>G9460G101</cusip>
         <value>257406</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3433</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2538</Sole>
             <Shared>0</Shared>
             <None>895</None>
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     <infoTable>
         <nameOfIssuer>WHITE MTNS INS GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G9618E107</cusip>
         <value>17948</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>12</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>345419</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1653</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>327</Sole>
             <Shared>0</Shared>
             <None>1326</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>196503</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2550</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>171</Sole>
             <Shared>0</Shared>
             <None>2379</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>83083692</value>
         <shrsOrPrnAmt>
             <sshPrnamt>399095</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>274013</Sole>
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             <None>125082</None>
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     <infoTable>
         <nameOfIssuer>CRISPR THERAPEUTICS AG</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>H17182108</cusip>
         <value>516493</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11379</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8607</Sole>
             <Shared>0</Shared>
             <None>2772</None>
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         <nameOfIssuer>GARMIN LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H2906T109</cusip>
         <value>264</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>3</None>
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     <infoTable>
         <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H42097107</cusip>
         <value>169666</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6883</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2302</Sole>
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             <None>4581</None>
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     <infoTable>
         <nameOfIssuer>LOGITECH INTL S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H50430232</cusip>
         <value>329602</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4781</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>4781</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H84989104</cusip>
         <value>255346</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2067</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>1198</None>
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         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>25361</value>
         <shrsOrPrnAmt>
             <sshPrnamt>164</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>164</Sole>
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             <None>0</None>
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         <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M22465104</cusip>
         <value>59976</value>
         <shrsOrPrnAmt>
             <sshPrnamt>450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>278</Sole>
             <Shared>0</Shared>
             <None>172</None>
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         <nameOfIssuer>INMODE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M5425M103</cusip>
         <value>152</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>407230</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6498</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1475</Sole>
             <Shared>0</Shared>
             <None>5023</None>
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         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>10279703</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17463</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>13394</Sole>
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             <None>4069</None>
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         <nameOfIssuer>CNH INDL N V</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N20944109</cusip>
         <value>170634</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14102</sshPrnamt>
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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>14777</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>49</Sole>
             <Shared>0</Shared>
             <None>1</None>
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     <infoTable>
         <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
         <titleOfClass>SHS - A -</titleOfClass>
         <cusip>N53745100</cusip>
         <value>153766</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1624</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1044</Sole>
             <Shared>0</Shared>
             <None>580</None>
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         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>90357</value>
         <shrsOrPrnAmt>
             <sshPrnamt>452</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>389</Sole>
             <Shared>0</Shared>
             <None>63</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>YANDEX N V</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>N97284108</cusip>
         <value>0</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22074</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15897</Sole>
             <Shared>0</Shared>
             <None>6177</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>COPA HOLDINGS SA</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>P31076105</cusip>
         <value>755</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3</Sole>
             <Shared>0</Shared>
             <None>5</None>
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     <infoTable>
         <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>V7780T103</cusip>
         <value>66341</value>
         <shrsOrPrnAmt>
             <sshPrnamt>720</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>160</Sole>
             <Shared>0</Shared>
             <None>560</None>
         </votingAuthority>
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         <nameOfIssuer>FLEX LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>Y2573F102</cusip>
         <value>16215</value>
         <shrsOrPrnAmt>
             <sshPrnamt>601</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>501</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NAVIOS MARITIME PARTNERS L P</nameOfIssuer>
         <titleOfClass>COM UNIT LPI</titleOfClass>
         <cusip>Y62267409</cusip>
         <value>206343</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8921</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8921</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>AFLAC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>001055102</cusip>
         <value>261947</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3413</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3025</Sole>
             <Shared>388</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AGCO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>001084102</cusip>
         <value>552012</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4667</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>BERKLEY W R CORP</nameOfIssuer>
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         <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
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         <nameOfIssuer>CB FINL SVCS INC</nameOfIssuer>
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         <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
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         <cusip>14020Y102</cusip>
         <value>3725562</value>
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         <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
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             <sshPrnamt>3183</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>30040W108</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
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         <cusip>31620M106</cusip>
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             <sshPrnamt>5587</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>316773100</cusip>
         <value>338586</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>FIRST BANCORP INC ME</nameOfIssuer>
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         <cusip>31866P102</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>WTR ETF</titleOfClass>
         <cusip>33733B100</cusip>
         <value>497989</value>
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         <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
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         <cusip>33734H106</cusip>
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         <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I</nameOfIssuer>
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         <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
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         <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
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         <nameOfIssuer>HBT FINL INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>HANNON ARMSTRONG SUST INFR C</nameOfIssuer>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
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         <shrsOrPrnAmt>
             <sshPrnamt>136816</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>127227</Sole>
             <Shared>5379</Shared>
             <None>4210</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>78410G104</cusip>
         <value>535654</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2676</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>911</Sole>
             <Shared>11</Shared>
             <None>1754</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SJW GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>784305104</cusip>
         <value>372682</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>21552258</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50417</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>45030</Sole>
             <Shared>4268</Shared>
             <None>1119</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>658881</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3843</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2203</Sole>
             <Shared>1640</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLOOMBERG</titleOfClass>
         <cusip>78464A284</cusip>
         <value>558483</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23446</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>23446</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>797478</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>471727</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8987</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8987</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>2555357</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>1143618</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12455</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>12455</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>584762</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12649</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>12649</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>213225</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6080</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6080</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>544606</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>5128102</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25289</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>22714</Sole>
             <Shared>1961</Shared>
             <None>614</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>1129867</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8737</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7562</Sole>
             <Shared>75</Shared>
             <None>1100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM STK</titleOfClass>
         <cusip>806857108</cusip>
         <value>3179856</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54543</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>54443</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>2405168</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43810</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>43018</Sole>
             <Shared>792</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LRG CAP ETF</titleOfClass>
         <cusip>808524201</cusip>
         <value>207004</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4091</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4091</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>620181</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14973</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>14973</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTERNL DIVID</titleOfClass>
         <cusip>808524672</cusip>
         <value>2719221</value>
         <shrsOrPrnAmt>
             <sshPrnamt>118227</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>81337</Sole>
             <Shared>36595</Shared>
             <None>295</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>9162075</value>
         <shrsOrPrnAmt>
             <sshPrnamt>129481</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>125016</Sole>
             <Shared>4185</Shared>
             <None>280</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US REIT ETF</titleOfClass>
         <cusip>808524847</cusip>
         <value>412190</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>1742810</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36354</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>34501</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>2057402</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42961</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>41808</Sole>
             <Shared>453</Shared>
             <None>700</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>669061</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>690645</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>482617</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2998</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1948</Sole>
             <Shared>1050</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>1053675</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11657</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8807</Sole>
             <Shared>2850</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>707847</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>INDL</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>1556486</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>818338</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4992</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2190</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>1374826</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40353</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>39853</Sole>
             <Shared>500</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816300107</cusip>
         <value>515850</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>471856</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6936</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6712</Sole>
             <Shared>224</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>2240870</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4009</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3916</Sole>
             <Shared>93</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>2608140</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10226</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10171</Sole>
             <Shared>55</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>795964</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7368</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7338</Sole>
             <Shared>0</Shared>
             <None>30</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982L103</cusip>
         <value>755955</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4625</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
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             <None>11593</None>
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         <nameOfIssuer>UNITED THERAPEUTICS CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91307C102</cusip>
         <value>509110</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2254</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>2254</None>
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         <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91324P102</cusip>
         <value>24208178</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48014</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>41923</Sole>
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             <None>5046</None>
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         <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91913Y100</cusip>
         <value>4634625</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32705</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>32355</Sole>
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             <None>350</None>
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         <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>919794107</cusip>
         <value>128400</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15000</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>15000</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>FALLEN ANGEL HG</titleOfClass>
         <cusip>92189F437</cusip>
         <value>491490</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18163</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>14439</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>INTRMDT MUNI ETF</titleOfClass>
         <cusip>92189H201</cusip>
         <value>957895</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21721</sshPrnamt>
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         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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         <cusip>92189H409</cusip>
         <value>1594333</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32491</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>30666</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
         <titleOfClass>DIV APP ETF</titleOfClass>
         <cusip>921908844</cusip>
         <value>17212685</value>
         <shrsOrPrnAmt>
             <sshPrnamt>110778</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>103018</Sole>
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             <None>165</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
         <titleOfClass>VG TL INTL STK F</titleOfClass>
         <cusip>921909768</cusip>
         <value>3882983</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72552</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18589</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>1162616</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4710</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4710</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>500 VAL IDX FD</titleOfClass>
         <cusip>921932703</cusip>
         <value>1063430</value>
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             <sshPrnamt>7152</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>7152</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>INTERMED TERM</titleOfClass>
         <cusip>921937819</cusip>
         <value>1664069</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23013</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>22318</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>SHORT TRM BOND</titleOfClass>
         <cusip>921937827</cusip>
         <value>3104069</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41294</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>37264</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>1851192</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26529</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>26079</Sole>
             <Shared>450</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
         <value>12407123</value>
         <shrsOrPrnAmt>
             <sshPrnamt>283786</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>271920</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>28927016</value>
         <shrsOrPrnAmt>
             <sshPrnamt>279975</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL HIGH ETF</titleOfClass>
         <cusip>921946794</cusip>
         <value>379385</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6130</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6130</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL DVD ETF</titleOfClass>
         <cusip>921946810</cusip>
         <value>6168617</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86480</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>86480</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
         <titleOfClass>STRM INFPROIDX</titleOfClass>
         <cusip>922020805</cusip>
         <value>209119</value>
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             <sshPrnamt>4423</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>GLB EX US ETF</titleOfClass>
         <cusip>922042676</cusip>
         <value>517807</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13301</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>ALLWRLD EX US</titleOfClass>
         <cusip>922042775</cusip>
         <value>1126667</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21721</sshPrnamt>
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         <votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
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             <sshPrnamt>126215</sshPrnamt>
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         <votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>CONSUM DIS ETF</titleOfClass>
         <cusip>92204A108</cusip>
         <value>333479</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1238</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1238</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
         <value>1355863</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10698</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10698</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>312846</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3895</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>3895</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>247560</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1053</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1053</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>511156</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1232</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>1232</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>UTILITIES ETF</titleOfClass>
         <cusip>92204A876</cusip>
         <value>267834</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2100</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>4254692</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56616</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>278115</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3893</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000IDX</titleOfClass>
         <cusip>92206C730</cusip>
         <value>1762451</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9054</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>65</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
         <cusip>92206C771</cusip>
         <value>1836702</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>LG-TERM COR BD</titleOfClass>
         <cusip>92206C813</cusip>
         <value>259622</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3625</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3625</Sole>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
         <value>4504702</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59288</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>55093</Sole>
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             <None>3540</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>922475108</cusip>
         <value>941973</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4630</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4630</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
         <titleOfClass>TAX EXEMPT BD</titleOfClass>
         <cusip>922907746</cusip>
         <value>5584120</value>
         <shrsOrPrnAmt>
             <sshPrnamt>116094</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>116094</Sole>
             <Shared>0</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>8444228</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21503</sshPrnamt>
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         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>20137</Sole>
             <Shared>1301</Shared>
             <None>65</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>8714601</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66544</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>42402</Sole>
             <Shared>23870</Shared>
             <None>272</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>8152097</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41855</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>24135</Sole>
             <Shared>17501</Shared>
             <None>219</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>2073007</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27399</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>24653</Sole>
             <Shared>2746</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>3792271</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17706</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10830</Sole>
             <Shared>6860</Shared>
             <None>16</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>4953440</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31058</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>20917</Sole>
             <Shared>10120</Shared>
             <None>21</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>3789967</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>16316</Sole>
             <Shared>1884</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>35505139</value>
         <shrsOrPrnAmt>
             <sshPrnamt>130385</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>80635</Sole>
             <Shared>49532</Shared>
             <None>218</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>12122115</value>
         <shrsOrPrnAmt>
             <sshPrnamt>87886</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>81872</Sole>
             <Shared>6014</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>4069352</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21523</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>21068</Sole>
             <Shared>455</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>1666780</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7847</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7606</Sole>
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             <None>241</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>2606573</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80425</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>74343</Sole>
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             <None>26</None>
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         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>1773925</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7509</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>1863</None>
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     <infoTable>
         <nameOfIssuer>VIRTU FINL INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>928254101</cusip>
         <value>324192</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18772</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18772</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>17745731</value>
         <shrsOrPrnAmt>
             <sshPrnamt>77152</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>65300</Sole>
             <Shared>3402</Shared>
             <None>8450</None>
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     <infoTable>
         <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929160109</cusip>
         <value>3225652</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15967</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8514</Sole>
             <Shared>136</Shared>
             <None>7317</None>
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     <infoTable>
         <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92939U106</cusip>
         <value>213376</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2649</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2649</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>WALMART INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931142103</cusip>
         <value>6393841</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39979</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>34052</Sole>
             <Shared>4256</Shared>
             <None>1671</None>
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     <infoTable>
         <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931427108</cusip>
         <value>255714</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11498</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>11498</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WASTE CONNECTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106B101</cusip>
         <value>2290217</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17053</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5644</Sole>
             <Shared>0</Shared>
             <None>11409</None>
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     <infoTable>
         <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106L109</cusip>
         <value>1990104</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13055</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>11424</Sole>
             <Shared>950</Shared>
             <None>681</None>
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     <infoTable>
         <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>949746101</cusip>
         <value>2552646</value>
         <shrsOrPrnAmt>
             <sshPrnamt>62473</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>48081</Sole>
             <Shared>392</Shared>
             <None>14000</None>
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     <infoTable>
         <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>955306105</cusip>
         <value>1156772</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3083</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3083</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>WEYERHAEUSER CO MTN BE</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>962166104</cusip>
         <value>1384574</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45159</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>41039</Sole>
             <Shared>4120</Shared>
             <None>0</None>
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         <nameOfIssuer>WHIRLPOOL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>963320106</cusip>
         <value>287989</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2154</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2154</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>WILLIAMS COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>969457100</cusip>
         <value>930854</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27630</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18636</Sole>
             <Shared>8994</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>WILLSCOT MOBIL MINI HLDNG CO</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>971378104</cusip>
         <value>713060</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17145</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>17145</Sole>
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             <None>0</None>
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         <nameOfIssuer>WOODWARD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>980745103</cusip>
         <value>681566</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5485</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5485</Sole>
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             <None>0</None>
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         <nameOfIssuer>WORKDAY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>98138H101</cusip>
         <value>2413624</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11234</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>11161</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>336043</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3316</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <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>260408</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4551</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>4551</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>XYLEM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98419M100</cusip>
         <value>223386</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2454</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2454</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>988498101</cusip>
         <value>1352599</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10826</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10321</Sole>
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             <None>279</None>
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     <infoTable>
         <nameOfIssuer>YUM CHINA HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98850P109</cusip>
         <value>524715</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9417</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9367</Sole>
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             <None>50</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98956P102</cusip>
         <value>2256743</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20110</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>20104</Sole>
             <Shared>6</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ZOETIS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>98978V103</cusip>
         <value>3732044</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21451</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>20767</Sole>
             <Shared>520</Shared>
             <None>164</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>AON PLC</nameOfIssuer>
         <titleOfClass>SHS CL A</titleOfClass>
         <cusip>G0403H108</cusip>
         <value>3644880</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11242</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>11005</Sole>
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             <None>37</None>
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         <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G0450A105</cusip>
         <value>924237</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11595</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>11595</Sole>
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             <None>0</None>
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         <nameOfIssuer>ASSURED GUARANTY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G0585R106</cusip>
         <value>272340</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4500</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>7082877</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23063</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18180</Sole>
             <Shared>2144</Shared>
             <None>2739</None>
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     <infoTable>
         <nameOfIssuer>CLARIVATE PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G21810109</cusip>
         <value>107748</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16058</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>16058</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>8409203</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39428</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>38843</Sole>
             <Shared>585</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G46188101</cusip>
         <value>347070</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3000</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>9230183</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24789</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>24751</Sole>
             <Shared>38</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>1108323</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14144</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>13046</Sole>
             <Shared>749</Shared>
             <None>349</None>
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     <infoTable>
         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6095L109</cusip>
         <value>729960</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7404</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6947</Sole>
             <Shared>410</Shared>
             <None>47</None>
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     <infoTable>
         <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>657869</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12415</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>12401</Sole>
             <Shared>14</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>883266</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4353</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1353</Sole>
             <Shared>3000</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>336443</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4366</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3115</Sole>
             <Shared>1129</Shared>
             <None>122</None>
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     <infoTable>
         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>6633446</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31864</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>30104</Sole>
             <Shared>1113</Shared>
             <None>647</None>
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     <infoTable>
         <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
         <value>313292</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1913</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1913</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>AERCAP HOLDINGS NV</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N00985106</cusip>
         <value>1327601</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21184</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>21075</Sole>
             <Shared>109</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>862974</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1466</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>982</Sole>
             <Shared>86</Shared>
             <None>398</None>
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     <infoTable>
         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>603758</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3020</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2834</Sole>
             <Shared>186</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIANA SHIPPING INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>Y2066G104</cusip>
         <value>41640</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>12000</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FLEX LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>Y2573F102</cusip>
         <value>337950</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12526</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>12458</Sole>
             <Shared>68</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>AAR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>000361105</cusip>
         <value>268598</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4512</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>4512</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>002824100</cusip>
         <value>1594053</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16459</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>15152</Sole>
             <Shared>1307</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ABBVIE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00287Y109</cusip>
         <value>1075318</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7214</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>7214</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ADDUS HOMECARE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>006739106</cusip>
         <value>241087</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2830</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>2830</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ADOBE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00724F101</cusip>
         <value>1177869</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2310</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>2290</Sole>
             <Shared>20</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>007903107</cusip>
         <value>349793</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3402</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>3402</Sole>
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             <None>0</None>
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         <nameOfIssuer>ADVANCED ENERGY INDS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>007973100</cusip>
         <value>202217</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1961</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>1961</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ALBANY INTL CORP</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>012348108</cusip>
         <value>211385</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>2450</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ALIGN TECHNOLOGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>016255101</cusip>
         <value>467139</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1530</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>1530</Sole>
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             <None>0</None>
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         <nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>020002101</cusip>
         <value>1329566</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11934</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>11934</Sole>
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             <None>0</None>
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         <nameOfIssuer>ALPHABET INC</nameOfIssuer>
         <titleOfClass>CAP STK CL C</titleOfClass>
         <cusip>02079K107</cusip>
         <value>3914230</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29687</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>29181</Sole>
             <Shared>506</Shared>
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     <infoTable>
         <nameOfIssuer>ALPHABET INC</nameOfIssuer>
         <titleOfClass>CAP STK CL A</titleOfClass>
         <cusip>02079K305</cusip>
         <value>1571235</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12007</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>12007</Sole>
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             <None>0</None>
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         <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>023135106</cusip>
         <value>5571033</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43825</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Shared>397</Shared>
             <None>0</None>
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         <nameOfIssuer>AMERICAN INTL GROUP INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>026874784</cusip>
         <value>2725666</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44978</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>41280</Sole>
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         <nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>03027X100</cusip>
         <value>350771</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2133</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>2065</Sole>
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             <None>0</None>
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         <nameOfIssuer>AMPHENOL CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>032095101</cusip>
         <value>450270</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5361</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>5361</Sole>
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             <None>0</None>
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         <nameOfIssuer>APPLE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>037833100</cusip>
         <value>3260694</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19045</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>16268</Sole>
             <Shared>2777</Shared>
             <None>0</None>
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         <nameOfIssuer>ARHAUS INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>04035M102</cusip>
         <value>124592</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13397</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>13397</Sole>
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             <None>0</None>
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         <nameOfIssuer>ATLASSIAN CORPORATION</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>049468101</cusip>
         <value>264985</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1315</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>546379</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>311900104</cusip>
         <value>1242075</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>FLOWSERVE CORP</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
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         <cusip>35671D857</cusip>
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         <nameOfIssuer>GATX CORP</nameOfIssuer>
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         <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>GRID DYNAMICS HLDGS INC</nameOfIssuer>
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         <nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
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             <sshPrnamt>7690</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>269674</value>
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             <sshPrnamt>10485</sshPrnamt>
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         <otherManager>6</otherManager>
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             <None>0</None>
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         <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>681116109</cusip>
         <value>241804</value>
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             <sshPrnamt>3133</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <None>0</None>
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         <nameOfIssuer>ORACLE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68389X105</cusip>
         <value>1957295</value>
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             <sshPrnamt>18479</sshPrnamt>
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         <otherManager>6</otherManager>
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             <Sole>18180</Sole>
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         <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>697435105</cusip>
         <value>393390</value>
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             <sshPrnamt>1678</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>1179</Sole>
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         <nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>701094104</cusip>
         <value>1377731</value>
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             <sshPrnamt>3537</sshPrnamt>
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         <nameOfIssuer>PARSONS CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70202L102</cusip>
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             <sshPrnamt>5805</sshPrnamt>
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             <Sole>5805</Sole>
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             <None>0</None>
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         <nameOfIssuer>PAYLOCITY HLDG CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70438V106</cusip>
         <value>260194</value>
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             <sshPrnamt>1432</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>1432</Sole>
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             <None>0</None>
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         <nameOfIssuer>PEPSICO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>713448108</cusip>
         <value>2656988</value>
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             <sshPrnamt>15681</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>14757</Sole>
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         <nameOfIssuer>PFIZER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>717081103</cusip>
         <value>754716</value>
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             <sshPrnamt>22753</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>20777</Sole>
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         <nameOfIssuer>PLAINS ALL AMERN PIPELINE L</nameOfIssuer>
         <titleOfClass>UNIT LTD PARTN</titleOfClass>
         <cusip>726503105</cusip>
         <value>191270</value>
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             <sshPrnamt>12485</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>12485</Sole>
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         <nameOfIssuer>QUALYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74758T303</cusip>
         <value>231113</value>
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             <sshPrnamt>1515</sshPrnamt>
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         <otherManager>6</otherManager>
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             <Sole>1515</Sole>
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             <None>0</None>
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         <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
         <value>1268902</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17631</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>16297</Sole>
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             <None>0</None>
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         <nameOfIssuer>REGAL REXNORD CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>758750103</cusip>
         <value>753834</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5276</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>5276</Sole>
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             <None>0</None>
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         <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75886F107</cusip>
         <value>1020470</value>
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             <sshPrnamt>1240</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>1240</Sole>
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         <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>759351604</cusip>
         <value>266277</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1834</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <nameOfIssuer>RENTOKIL INITIAL PLC</nameOfIssuer>
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         <cusip>760125104</cusip>
         <value>1011168</value>
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             <sshPrnamt>27292</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>REPAY HLDGS CORP</nameOfIssuer>
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         <cusip>76029L100</cusip>
         <value>151944</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>773903109</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>791</Sole>
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             <None>0</None>
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         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <cusip>78410G104</cusip>
         <value>625330</value>
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             <sshPrnamt>3124</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
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         <cusip>78462F103</cusip>
         <value>1217463</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>SPS COMM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78463M107</cusip>
         <value>234247</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>1373</Sole>
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             <None>0</None>
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         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>553612</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>3229</Sole>
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             <None>0</None>
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         <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>528824</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11439</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78473E103</cusip>
         <value>232152</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78573M104</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
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         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>264330</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>219270</value>
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             <sshPrnamt>3994</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>808524797</cusip>
         <value>1223794</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>442221</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>515231</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>470056</value>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
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         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>835699307</cusip>
         <value>1481483</value>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>G8994E103</cusip>
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         <cusip>548661107</cusip>
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         <nameOfIssuer>M &amp; T BK CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>55261F104</cusip>
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             <None>0</None>
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         <nameOfIssuer>MARSH &amp; MCLENNAN COS INC</nameOfIssuer>
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             <None>0</None>
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         <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
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         <cusip>57636Q104</cusip>
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             <sshPrnamt>63</sshPrnamt>
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             <sshPrnamt>1847</sshPrnamt>
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             <None>72845</None>
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         <nameOfIssuer>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
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             <None>0</None>
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         <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
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             <sshPrnamt>6317</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>NIKE INC</nameOfIssuer>
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             <sshPrnamt>1178986</sshPrnamt>
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         <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
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         <nameOfIssuer>NORTHERN TR CORP</nameOfIssuer>
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         <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
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             <sshPrnamt>37</sshPrnamt>
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         <nameOfIssuer>NOVO-NORDISK A S</nameOfIssuer>
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         <nameOfIssuer>ORACLE CORP</nameOfIssuer>
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         <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
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         <value>1209</value>
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         <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
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         <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>747525103</cusip>
         <value>16659</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>RAYONIER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>754907103</cusip>
         <value>2561</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>373</None>
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         <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>760759100</cusip>
         <value>68262</value>
         <shrsOrPrnAmt>
             <sshPrnamt>479</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>773903109</cusip>
         <value>85761</value>
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             <sshPrnamt>300</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>778296103</cusip>
         <value>15813</value>
         <shrsOrPrnAmt>
             <sshPrnamt>140</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>140</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
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             <sshPrnamt>40</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>20</Sole>
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             <None>20</None>
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         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>28724494</value>
         <shrsOrPrnAmt>
             <sshPrnamt>167539</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>155400</Sole>
             <Shared>0</Shared>
             <None>12139</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
         <cusip>78463X889</cusip>
         <value>7504</value>
         <shrsOrPrnAmt>
             <sshPrnamt>242</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>242</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>586</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>8</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLOOMBERG</titleOfClass>
         <cusip>78464A284</cusip>
         <value>3287</value>
         <shrsOrPrnAmt>
             <sshPrnamt>138</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>138</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>825</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>20</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>1245</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>18</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
         <cusip>78464A839</cusip>
         <value>1362</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>21</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>
         <cusip>78464A854</cusip>
         <value>4523</value>
         <shrsOrPrnAmt>
             <sshPrnamt>90</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>90</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
         <value>9365732</value>
         <shrsOrPrnAmt>
             <sshPrnamt>102001</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>100125</Sole>
             <Shared>0</Shared>
             <None>1876</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG MU</titleOfClass>
         <cusip>78468R721</cusip>
         <value>3097281</value>
         <shrsOrPrnAmt>
             <sshPrnamt>70876</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>64839</Sole>
             <Shared>0</Shared>
             <None>6037</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>7477148</value>
         <shrsOrPrnAmt>
             <sshPrnamt>161738</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>147912</Sole>
             <Shared>0</Shared>
             <None>13826</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806407102</cusip>
         <value>36741694</value>
         <shrsOrPrnAmt>
             <sshPrnamt>494843</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>471132</Sole>
             <Shared>0</Shared>
             <None>23711</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>2153448</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27415</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>26075</Sole>
             <Shared>0</Shared>
             <None>1340</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>10780081</value>
         <shrsOrPrnAmt>
             <sshPrnamt>83735</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>79256</Sole>
             <Shared>0</Shared>
             <None>4479</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>4845314</value>
         <shrsOrPrnAmt>
             <sshPrnamt>70416</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>66449</Sole>
             <Shared>0</Shared>
             <None>3967</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>9784699</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60782</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>57426</Sole>
             <Shared>0</Shared>
             <None>3356</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>3426956</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37913</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>36058</Sole>
             <Shared>0</Shared>
             <None>1855</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>9673122</value>
         <shrsOrPrnAmt>
             <sshPrnamt>291623</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>276905</Sole>
             <Shared>0</Shared>
             <None>14718</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>INDL</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>5378940</value>
         <shrsOrPrnAmt>
             <sshPrnamt>53057</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>49903</Sole>
             <Shared>0</Shared>
             <None>3154</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>23766932</value>
         <shrsOrPrnAmt>
             <sshPrnamt>144982</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>137993</Sole>
             <Shared>0</Shared>
             <None>6989</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>7734113</value>
         <shrsOrPrnAmt>
             <sshPrnamt>117952</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>112558</Sole>
             <Shared>0</Shared>
             <None>5394</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>2443827</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41470</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>39452</Sole>
             <Shared>0</Shared>
             <None>2018</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>29634963</value>
         <shrsOrPrnAmt>
             <sshPrnamt>116188</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>110364</Sole>
             <Shared>0</Shared>
             <None>5824</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>842587107</cusip>
         <value>3343</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>52</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
         <value>177546242</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1945283</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1864962</Sole>
             <Shared>0</Shared>
             <None>80321</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871607107</cusip>
         <value>31210</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>68</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SYSCO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871829107</cusip>
         <value>20079</value>
         <shrsOrPrnAmt>
             <sshPrnamt>304</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>304</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872540109</cusip>
         <value>61681048</value>
         <shrsOrPrnAmt>
             <sshPrnamt>693980</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>660660</Sole>
             <Shared>0</Shared>
             <None>33320</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TARGET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612E106</cusip>
         <value>124453597</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1125567</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1077598</Sole>
             <Shared>0</Shared>
             <None>47969</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>882508104</cusip>
         <value>129765808</value>
         <shrsOrPrnAmt>
             <sshPrnamt>816087</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>782700</Sole>
             <Shared>0</Shared>
             <None>33387</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>892356106</cusip>
         <value>157393786</value>
         <shrsOrPrnAmt>
             <sshPrnamt>775149</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>742405</Sole>
             <Shared>0</Shared>
             <None>32744</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>902973304</cusip>
         <value>8563</value>
         <shrsOrPrnAmt>
             <sshPrnamt>259</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>259</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>907818108</cusip>
         <value>121944047</value>
         <shrsOrPrnAmt>
             <sshPrnamt>598853</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>574008</Sole>
             <Shared>0</Shared>
             <None>24845</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>911312106</cusip>
         <value>29615</value>
         <shrsOrPrnAmt>
             <sshPrnamt>190</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>190</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91324P102</cusip>
         <value>187566885</value>
         <shrsOrPrnAmt>
             <sshPrnamt>372017</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>356382</Sole>
             <Shared>0</Shared>
             <None>15635</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
         <value>81051135</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1853869</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1712441</Sole>
             <Shared>0</Shared>
             <None>141428</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>21275004</value>
         <shrsOrPrnAmt>
             <sshPrnamt>542603</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>501262</Sole>
             <Shared>0</Shared>
             <None>41341</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>102729</value>
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